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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$214,436$214,436$332,910
Remaining term (yrs)24.524.530.0
Secondary amount$0$118,474$0
Funding fee$1,072$1,072$0
Note rate3.06%3.06%7.11%
Blended rate3.06%4.818%7.35%
1st payment$1,032.80$1,032.80$2,239.51
2nd payment$0.00$789.83$0.00
Taxes / mo$180.50$180.50$180.50
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$66.58
HOA / mo$0.00$0.00$0.00
Total monthly$1,363.30$2,153.13$2,636.59
Cash to close$155,464$36,990$36,990