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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$217,628$217,628$341,910
Remaining term (yrs)23.723.730.0
Secondary amount$0$124,282$0
Funding fee$1,088$1,088$0
Note rate3.15%3.15%7.18%
Blended rate3.15%4.913%7.42%
1st payment$1,082.94$1,082.94$2,316.22
2nd payment$0.00$828.54$0.00
Taxes / mo$72.50$72.50$72.50
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$1,305.44$2,133.98$2,607.10
Cash to close$162,272$37,990$37,990