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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$344,996$344,996$403,200
Remaining term (yrs)25.125.130.0
Secondary amount$0$58,204$0
Funding fee$1,725$1,725$0
Note rate3.07%3.07%7.11%
Blended rate3.07%3.926%7.35%
1st payment$1,637.75$1,637.75$2,712.35
2nd payment$0.00$436.53$0.00
Taxes / mo$452.33$452.33$452.33
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$80.64
HOA / mo$0.00$0.00$0.00
Total monthly$2,240.08$2,676.61$3,395.33
Cash to close$103,004$44,800$44,800