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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$194,428$194,428$273,600
Remaining term (yrs)22.722.730.0
Secondary amount$0$79,172$0
Funding fee$0$0$0
Note rate3.84%3.84%7.18%
Blended rate4.69%5.937%7.42%
1st payment$1,066.63$1,066.63$1,853.46
2nd payment$0.00$593.79$0.00
Taxes / mo$271.83$271.83$271.83
Insurance / mo$150.00$150.00$150.00
MI / mo$161.36$161.36$54.72
HOA / mo$380.00$380.00$380.00
Total monthly$2,029.82$2,623.61$2,710.02
Cash to close$109,572$30,400$30,400