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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$240,585$240,585$432,000
Remaining term (yrs)22.622.630.0
Secondary amount$0$191,415$0
Funding fee$1,203$1,203$0
Note rate4.14%4.14%7.11%
Blended rate4.14%5.85%7.35%
1st payment$1,361.89$1,361.89$2,906.09
2nd payment$0.00$1,276.10$0.00
Taxes / mo$332.50$332.50$332.50
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$86.40
HOA / mo$0.00$0.00$0.00
Total monthly$1,861.05$3,137.15$3,491.66
Cash to close$239,415$48,000$48,000