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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$96,000$96,000$251,910
Remaining term (yrs)17.917.930.0
Secondary amount$0$155,910$0
Funding fee$480$480$0
Note rate4.13%4.13%7.18%
Blended rate4.13%6.525%7.42%
1st payment$630.66$630.66$1,706.53
2nd payment$0.00$1,039.40$0.00
Taxes / mo$311.25$311.25$311.25
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$50.38
HOA / mo$0.00$0.00$0.00
Total monthly$1,091.91$2,131.31$2,218.16
Cash to close$183,900$27,990$27,990