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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$207,961$207,961$458,910
Remaining term (yrs)9.79.730.0
Secondary amount$0$250,949$0
Funding fee$1,040$1,040$0
Note rate2.27%2.27%7.18%
Blended rate2.27%5.267%7.42%
1st payment$1,968.05$1,968.05$3,108.82
2nd payment$0.00$1,620.71$0.00
Taxes / mo$522.83$522.83$522.83
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$91.78
HOA / mo$0.00$0.00$0.00
Total monthly$2,657.55$4,278.26$3,890.10
Cash to close$301,939$50,990$50,990