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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$168,452$168,452$233,910
Remaining term (yrs)22.922.930.0
Secondary amount$0$65,458$0
Funding fee$0$0$0
Note rate3.75%3.75%7.18%
Blended rate4.6%5.831%7.42%
1st payment$911.81$911.81$1,584.59
2nd payment$0.00$490.94$0.00
Taxes / mo$384.67$384.67$384.67
Insurance / mo$150.00$150.00$150.00
MI / mo$139.46$139.46$46.78
HOA / mo$0.00$0.00$0.00
Total monthly$1,585.94$2,076.87$2,166.04
Cash to close$91,448$25,990$25,990