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Comparison

Side-by-side payments and cash to close

Lowest monthly: Assumable Loan

Total monthly

Payment stack including taxes, insurance, and HOA

Cash to close

Down payment / equity bring-to

Detail
Assumable Loan
Assumable · FHA
Assumable Loan + Second
Assumable · FHA
Current Market Conventional
New · Conventional
Loan amount$174,760$174,760$292,410
Remaining term (yrs)20.820.830.0
Secondary amount$0$117,650$0
Funding fee$0$0$0
Note rate3.92%3.92%7.18%
Blended rate4.77%6.07%7.42%
1st payment$1,021.35$1,021.35$1,980.89
2nd payment$0.00$784.33$0.00
Taxes / mo$288.08$288.08$288.08
Insurance / mo$150.00$150.00$150.00
MI / mo$153.01$153.01$58.48
HOA / mo$0.00$0.00$0.00
Total monthly$1,612.44$2,396.78$2,477.45
Cash to close$150,140$32,490$32,490