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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$235,295$235,295$359,910
Remaining term (yrs)19.619.630.0
Secondary amount$0$124,615$0
Funding fee$1,176$1,176$0
Note rate3.6%3.6%7.18%
Blended rate3.6%5.123%7.42%
1st payment$1,388.65$1,388.65$2,438.16
2nd payment$0.00$830.77$0.00
Taxes / mo$306.33$306.33$306.33
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$71.98
HOA / mo$346.00$346.00$346.00
Total monthly$2,190.98$3,021.75$3,312.47
Cash to close$164,605$39,990$39,990