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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$175,416$175,416$382,500
Remaining term (yrs)24.024.030.0
Secondary amount$0$207,084$0
Funding fee$877$877$0
Note rate2.9%2.9%7.18%
Blended rate2.9%5.526%7.42%
1st payment$844.11$844.11$2,591.19
2nd payment$0.00$1,337.42$0.00
Taxes / mo$228.67$228.67$228.67
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$76.50
HOA / mo$1,121.00$1,121.00$1,121.00
Total monthly$2,343.78$3,681.20$4,167.35
Cash to close$249,584$42,500$42,500