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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$343,203$343,203$418,500
Remaining term (yrs)23.223.230.0
Secondary amount$0$75,297$0
Funding fee$1,716$1,716$0
Note rate2.67%2.67%7.18%
Blended rate2.67%3.809%7.42%
1st payment$1,648.25$1,648.25$2,835.06
2nd payment$0.00$564.73$0.00
Taxes / mo$490.00$490.00$490.00
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$83.70
HOA / mo$0.00$0.00$0.00
Total monthly$2,304.91$2,869.64$3,575.43
Cash to close$121,797$46,500$46,500