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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$302,720$302,720$319,299
Remaining term (yrs)24.924.930.0
Secondary amount$0$34,318$0
Funding fee$1,514$1,514$0
Note rate2.78%2.78%7.18%
Blended rate2.78%3.706%7.42%
1st payment$1,401.13$1,401.13$2,163.04
2nd payment$0.00$339.61$0.00
Taxes / mo$375.67$375.67$375.67
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$63.86
HOA / mo$0.00$0.00$0.00
Total monthly$1,926.80$2,266.41$2,752.57
Cash to close$52,057$17,739$35,478