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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$268,844$268,844$477,000
Remaining term (yrs)23.523.530.0
Secondary amount$0$208,156$0
Funding fee$1,344$1,344$0
Note rate3.36%3.36%7.18%
Blended rate3.36%5.276%7.42%
1st payment$1,376.82$1,376.82$3,231.36
2nd payment$0.00$1,344.34$0.00
Taxes / mo$475.25$475.25$475.25
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$95.40
HOA / mo$0.00$0.00$0.00
Total monthly$2,018.73$3,363.07$3,968.68
Cash to close$261,156$53,000$53,000