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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 · VA
Assumable Loan + Second
Assumable · VA
Current Market Conventional
New · Conventional
Loan amount$213,428$213,428$292,410
Remaining term (yrs)24.424.430.0
Secondary amount$0$78,982$0
Funding fee$1,067$1,067$0
Note rate2.74%2.74%7.11%
Blended rate2.74%4.431%7.35%
1st payment$997.47$997.47$1,967.06
2nd payment$0.00$592.36$0.00
Taxes / mo$272.00$272.00$272.00
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$58.48
HOA / mo$429.00$429.00$429.00
Total monthly$1,848.47$2,440.83$2,876.54
Cash to close$111,472$32,490$32,490