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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$77,085$77,085$310,500
Remaining term (yrs)16.916.930.0
Secondary amount$0$233,415$0
Funding fee$0$0$0
Note rate4.5%4.5%7.18%
Blended rate5.35%7.154%7.42%
1st payment$541.33$541.33$2,103.44
2nd payment$0.00$1,507.47$0.00
Taxes / mo$463.00$463.00$463.00
Insurance / mo$150.00$150.00$150.00
MI / mo$75.68$75.68$62.10
HOA / mo$0.00$0.00$0.00
Total monthly$1,230.00$2,737.48$2,778.54
Cash to close$267,915$34,500$34,500