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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$162,683$162,683$341,910
Remaining term (yrs)24.524.530.0
Secondary amount$0$179,227$0
Funding fee$813$813$0
Note rate2.75%2.75%7.18%
Blended rate2.75%5.502%7.42%
1st payment$759.33$759.33$2,316.22
2nd payment$0.00$1,194.85$0.00
Taxes / mo$241.00$241.00$241.00
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$68.38
HOA / mo$0.00$0.00$0.00
Total monthly$1,150.33$2,345.18$2,775.60
Cash to close$217,217$37,990$37,990