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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$176,078$176,078$251,910
Remaining term (yrs)23.823.830.0
Secondary amount$0$75,832$0
Funding fee$0$0$0
Note rate3.13%3.13%7.18%
Blended rate3.98%5.491%7.42%
1st payment$872.30$872.30$1,706.53
2nd payment$0.00$568.74$0.00
Taxes / mo$300.92$300.92$300.92
Insurance / mo$150.00$150.00$150.00
MI / mo$144.15$144.15$50.38
HOA / mo$0.00$0.00$0.00
Total monthly$1,467.36$2,036.10$2,207.82
Cash to close$103,822$27,990$27,990