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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$41,526$41,526$256,410
Remaining term (yrs)3.53.530.0
Secondary amount$0$214,884$0
Funding fee$208$208$0
Note rate3.1%3.1%7.18%
Blended rate3.1%6.997%7.42%
1st payment$999.64$999.64$1,737.01
2nd payment$0.00$1,387.79$0.00
Taxes / mo$242.17$242.17$242.17
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$51.28
HOA / mo$430.00$430.00$430.00
Total monthly$1,821.80$3,209.60$2,610.46
Cash to close$243,374$28,490$28,490