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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$339,237$339,237$391,500
Remaining term (yrs)27.927.930.0
Secondary amount$0$52,263$0
Funding fee$1,696$1,696$0
Note rate6.35%6.35%7.18%
Blended rate6.35%6.704%7.42%
1st payment$2,162.21$2,162.21$2,652.16
2nd payment$0.00$391.97$0.00
Taxes / mo$453.83$453.83$453.83
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$78.30
HOA / mo$0.00$0.00$0.00
Total monthly$2,766.04$3,158.01$3,334.29
Cash to close$95,763$43,500$43,500