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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$231,083$231,083$377,910
Remaining term (yrs)24.624.630.0
Secondary amount$0$146,827$0
Funding fee$1,155$1,155$0
Note rate3.08%3.08%7.18%
Blended rate3.08%4.992%7.42%
1st payment$1,115.39$1,115.39$2,560.09
2nd payment$0.00$978.85$0.00
Taxes / mo$335.83$335.83$335.83
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$75.58
HOA / mo$0.00$0.00$0.00
Total monthly$1,601.22$2,580.07$3,121.51
Cash to close$188,817$41,990$41,990