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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$184,519$184,519$224,991
Remaining term (yrs)24.124.130.0
Secondary amount$0$40,472$0
Funding fee$923$923$0
Note rate2.89%2.89%7.18%
Blended rate2.89%3.989%7.42%
1st payment$882.75$882.75$1,524.17
2nd payment$0.00$303.54$0.00
Taxes / mo$104.42$104.42$104.42
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$45.00
HOA / mo$290.00$290.00$290.00
Total monthly$1,427.17$1,730.71$2,113.58
Cash to close$65,471$24,999$24,999