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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$200,942$200,942$349,110
Remaining term (yrs)24.424.430.0
Secondary amount$0$148,168$0
Funding fee$1,005$1,005$0
Note rate2.74%2.74%7.18%
Blended rate2.74%4.972%7.42%
1st payment$939.11$939.11$2,364.99
2nd payment$0.00$987.78$0.00
Taxes / mo$320.83$320.83$320.83
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$69.82
HOA / mo$0.00$0.00$0.00
Total monthly$1,409.95$2,397.73$2,905.65
Cash to close$186,958$38,790$38,790