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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$146,981$146,981$310,410
Remaining term (yrs)19.519.530.0
Secondary amount$0$163,429$0
Funding fee$0$0$0
Note rate3.66%3.66%7.18%
Blended rate4.51%6.347%7.42%
1st payment$874.52$874.52$2,102.83
2nd payment$0.00$1,089.53$0.00
Taxes / mo$267.83$267.83$267.83
Insurance / mo$150.00$150.00$150.00
MI / mo$135.24$135.24$62.08
HOA / mo$0.00$0.00$0.00
Total monthly$1,427.60$2,517.12$2,582.74
Cash to close$197,919$34,490$34,490