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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$99,146$99,146$359,099
Remaining term (yrs)12.112.130.0
Secondary amount$0$259,954$0
Funding fee$0$0$0
Note rate6.14%6.14%7.18%
Blended rate6.99%7.54%7.42%
1st payment$961.25$961.25$2,432.66
2nd payment$0.00$1,678.87$0.00
Taxes / mo$365.00$365.00$365.00
Insurance / mo$150.00$150.00$150.00
MI / mo$111.88$111.88$71.82
HOA / mo$0.00$0.00$0.00
Total monthly$1,588.13$3,267.00$3,019.48
Cash to close$299,853$39,900$39,900