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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$176,787$176,787$269,910
Remaining term (yrs)24.224.230.0
Secondary amount$0$93,123$0
Funding fee$884$884$0
Note rate2.68%2.68%7.18%
Blended rate2.68%4.86%7.42%
1st payment$824.81$824.81$1,828.46
2nd payment$0.00$698.42$0.00
Taxes / mo$254.92$254.92$254.92
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$53.98
HOA / mo$360.00$360.00$360.00
Total monthly$1,589.72$2,288.14$2,647.36
Cash to close$123,113$29,990$29,990