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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$262,916$262,916$625,500
Remaining term (yrs)17.717.730.0
Secondary amount$0$362,584$0
Funding fee$1,315$1,315$0
Note rate4.19%4.19%7.18%
Blended rate4.19%6.254%7.42%
1st payment$1,746.27$1,746.27$4,237.35
2nd payment$0.00$2,341.69$0.00
Taxes / mo$514.67$514.67$514.67
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$125.10
HOA / mo$10.42$10.42$10.42
Total monthly$2,438.03$4,779.71$5,054.21
Cash to close$432,084$69,500$69,500