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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$222,272$222,272$288,000
Remaining term (yrs)24.524.530.0
Secondary amount$0$65,728$0
Funding fee$1,111$1,111$0
Note rate2.81%2.81%7.11%
Blended rate2.81%4.223%7.35%
1st payment$1,044.28$1,044.28$1,937.39
2nd payment$0.00$492.96$0.00
Taxes / mo$342.33$342.33$342.33
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$57.60
HOA / mo$173.00$173.00$173.00
Total monthly$1,709.62$2,202.58$2,660.33
Cash to close$97,728$32,000$32,000