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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$191,996$191,996$283,500
Remaining term (yrs)20.320.330.0
Secondary amount$0$91,504$0
Funding fee$960$960$0
Note rate4.19%4.19%7.11%
Blended rate4.19%5.742%7.35%
1st payment$1,167.36$1,167.36$1,907.12
2nd payment$0.00$686.28$0.00
Taxes / mo$447.22$447.22$447.22
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$56.70
HOA / mo$0.00$0.00$0.00
Total monthly$1,764.58$2,450.86$2,561.05
Cash to close$123,004$31,500$31,500