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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$228,582$228,582$328,500
Remaining term (yrs)23.023.030.0
Secondary amount$0$99,918$0
Funding fee$1,143$1,143$0
Note rate3.69%3.69%7.18%
Blended rate3.69%5.305%7.42%
1st payment$1,224.34$1,224.34$2,225.37
2nd payment$0.00$749.39$0.00
Taxes / mo$291.58$291.58$291.58
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$65.70
HOA / mo$0.00$0.00$0.00
Total monthly$1,665.93$2,415.31$2,732.66
Cash to close$136,418$36,500$36,500