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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$111,225$111,225$373,410
Remaining term (yrs)19.019.030.0
Secondary amount$0$262,185$0
Funding fee$556$556$0
Note rate2.39%2.39%7.11%
Blended rate2.39%6.153%7.35%
1st payment$603.25$603.25$2,511.95
2nd payment$0.00$1,693.28$0.00
Taxes / mo$346.83$346.83$346.83
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$74.68
HOA / mo$0.00$0.00$0.00
Total monthly$1,100.08$2,793.36$3,083.47
Cash to close$303,675$41,490$41,490