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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$374,637$374,637$382,500
Remaining term (yrs)25.325.330.0
Secondary amount$0$29,113$0
Funding fee$1,873$1,873$0
Note rate3.22%3.22%7.11%
Blended rate3.22%3.844%7.35%
1st payment$1,800.32$1,800.32$2,573.10
2nd payment$0.00$288.10$0.00
Taxes / mo$291.42$291.42$291.42
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$76.50
HOA / mo$0.00$0.00$0.00
Total monthly$2,241.74$2,529.84$3,091.02
Cash to close$50,363$21,250$42,500