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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$259,380$259,380$395,100
Remaining term (yrs)23.723.730.0
Secondary amount$0$135,720$0
Funding fee$1,297$1,297$0
Note rate2.6%2.6%7.18%
Blended rate2.6%4.455%7.42%
1st payment$1,217.71$1,217.71$2,676.55
2nd payment$0.00$904.80$0.00
Taxes / mo$428.50$428.50$428.50
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$79.02
HOA / mo$0.00$0.00$0.00
Total monthly$1,796.21$2,701.01$3,334.07
Cash to close$179,620$43,900$43,900