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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$303,466$303,466$593,910
Remaining term (yrs)23.523.530.0
Secondary amount$0$290,444$0
Funding fee$1,517$1,517$0
Note rate3.26%3.26%7.18%
Blended rate3.26%5.456%7.42%
1st payment$1,538.22$1,538.22$4,023.35
2nd payment$0.00$1,875.79$0.00
Taxes / mo$244.50$244.50$244.50
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$118.78
HOA / mo$0.00$0.00$0.00
Total monthly$1,949.38$3,825.17$4,553.30
Cash to close$356,434$65,990$65,990