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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$56,727$56,727$359,999
Remaining term (yrs)9.59.530.0
Secondary amount$0$303,272$0
Funding fee$284$284$0
Note rate2.24%2.24%7.18%
Blended rate2.24%6.882%7.42%
1st payment$548.57$548.57$2,438.76
2nd payment$0.00$1,958.63$0.00
Taxes / mo$493.25$493.25$493.25
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$72.00
HOA / mo$0.00$0.00$0.00
Total monthly$1,191.82$3,150.46$3,154.01
Cash to close$343,272$40,000$40,000