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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$255,456$255,456$297,000
Remaining term (yrs)27.827.830.0
Secondary amount$0$41,544$0
Funding fee$1,277$1,277$0
Note rate6.73%6.73%7.11%
Blended rate6.73%7.048%7.35%
1st payment$1,692.63$1,692.63$1,997.94
2nd payment$0.00$311.58$0.00
Taxes / mo$315.83$315.83$315.83
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$59.40
HOA / mo$0.00$0.00$0.00
Total monthly$2,158.47$2,470.05$2,523.17
Cash to close$74,544$33,000$33,000