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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$0$0$329,391
Remaining term (yrs)——30.0
Secondary amount$0$329,391$0
Funding fee$0$0$0
Note rate4.875%4.875%7.18%
Blended rate4.875%7.75%7.42%
1st payment$0.00$0.00$2,231.41
2nd payment$0.00$2,127.32$0.00
Taxes / mo$4.33$4.33$4.33
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$65.88
HOA / mo$282.00$282.00$282.00
Total monthly$436.33$2,563.65$2,733.62
Cash to close$365,990$36,599$36,599