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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$246,723$246,723$270,000
Remaining term (yrs)25.425.430.0
Secondary amount$0$38,277$0
Funding fee$1,234$1,234$0
Note rate4.72%4.72%7.11%
Blended rate4.72%5.681%7.35%
1st payment$1,387.97$1,387.97$1,816.31
2nd payment$0.00$378.79$0.00
Taxes / mo$254.33$254.33$254.33
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$54.00
HOA / mo$185.00$185.00$185.00
Total monthly$1,977.31$2,356.09$2,459.64
Cash to close$53,277$15,000$30,000