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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$272,810$272,810$494,910
Remaining term (yrs)24.024.030.0
Secondary amount$0$222,100$0
Funding fee$1,364$1,364$0
Note rate2.81%2.81%7.18%
Blended rate2.81%5.027%7.42%
1st payment$1,300.21$1,300.21$3,352.69
2nd payment$0.00$1,434.39$0.00
Taxes / mo$469.75$469.75$469.75
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$98.98
HOA / mo$32.00$32.00$32.00
Total monthly$1,968.63$3,403.02$4,120.09
Cash to close$277,090$54,990$54,990