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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$228,209$228,209$404,910
Remaining term (yrs)14.314.330.0
Secondary amount$0$176,701$0
Funding fee$1,141$1,141$0
Note rate2.2%2.2%7.11%
Blended rate2.2%4.731%7.35%
1st payment$1,540.56$1,540.56$2,723.86
2nd payment$0.00$1,178.00$0.00
Taxes / mo$291.75$291.75$291.75
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$80.98
HOA / mo$200.00$200.00$200.00
Total monthly$2,182.31$3,360.31$3,446.59
Cash to close$221,691$44,990$44,990