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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$153,243$153,243$427,500
Remaining term (yrs)14.414.430.0
Secondary amount$0$274,257$0
Funding fee$0$0$0
Note rate4.75%4.75%7.18%
Blended rate5.6%6.979%7.42%
1st payment$1,220.22$1,220.22$2,896.03
2nd payment$0.00$1,771.24$0.00
Taxes / mo$407.42$407.42$407.42
Insurance / mo$166.67$166.67$166.67
MI / mo$165.69$165.69$85.50
HOA / mo$0.00$0.00$0.00
Total monthly$1,959.99$3,731.24$3,555.62
Cash to close$321,757$47,500$47,500