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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$234,165$234,165$301,500
Remaining term (yrs)24.024.030.0
Secondary amount$0$67,335$0
Funding fee$1,171$1,171$0
Note rate2.89%2.89%7.18%
Blended rate2.89%4.255%7.42%
1st payment$1,125.62$1,125.62$2,042.47
2nd payment$0.00$505.01$0.00
Taxes / mo$295.17$295.17$295.17
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$60.30
HOA / mo$435.00$435.00$435.00
Total monthly$2,005.78$2,510.80$2,982.93
Cash to close$100,835$33,500$33,500