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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$189,721$189,721$359,910
Remaining term (yrs)19.919.930.0
Secondary amount$0$170,189$0
Funding fee$0$0$0
Note rate3.45%3.45%7.18%
Blended rate4.3%6.05%7.42%
1st payment$1,095.43$1,095.43$2,438.16
2nd payment$0.00$1,134.60$0.00
Taxes / mo$424.25$424.25$424.25
Insurance / mo$150.00$150.00$150.00
MI / mo$173.88$173.88$71.98
HOA / mo$0.00$0.00$0.00
Total monthly$1,843.56$2,978.16$3,084.39
Cash to close$210,179$39,990$39,990