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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$111,386$111,386$162,000
Remaining term (yrs)23.623.630.0
Secondary amount$0$50,614$0
Funding fee$557$557$0
Note rate3.31%3.31%7.18%
Blended rate3.31%5.088%7.42%
1st payment$564.88$564.88$1,097.44
2nd payment$0.00$379.60$0.00
Taxes / mo$354.30$354.30$354.30
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$32.40
HOA / mo$0.00$0.00$0.00
Total monthly$1,069.19$1,448.79$1,634.15
Cash to close$68,614$18,000$18,000