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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$351,865$351,865$358,650
Remaining term (yrs)26.526.530.0
Secondary amount$0$26,710$0
Funding fee$1,759$1,759$0
Note rate6.9%6.9%7.11%
Blended rate6.9%7.251%7.35%
1st payment$2,410.25$2,410.25$2,412.66
2nd payment$0.00$264.32$0.00
Taxes / mo$265.33$265.33$265.33
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$71.73
HOA / mo$0.00$0.00$0.00
Total monthly$2,825.58$3,089.90$2,899.72
Cash to close$46,635$19,925$39,850