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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$135,843$135,843$256,500
Remaining term (yrs)24.624.630.0
Secondary amount$0$120,657$0
Funding fee$679$679$0
Note rate3.13%3.13%7.18%
Blended rate3.13%5.421%7.42%
1st payment$657.76$657.76$1,737.62
2nd payment$0.00$804.38$0.00
Taxes / mo$371.67$371.67$371.67
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$51.30
HOA / mo$0.00$0.00$0.00
Total monthly$1,179.43$1,983.81$2,310.59
Cash to close$149,157$28,500$28,500