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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$180,725$180,725$359,910
Remaining term (yrs)19.919.930.0
Secondary amount$0$179,185$0
Funding fee$904$904$0
Note rate3.43%3.43%7.18%
Blended rate3.43%5.705%7.42%
1st payment$1,041.64$1,041.64$2,438.16
2nd payment$0.00$1,194.57$0.00
Taxes / mo$256.83$256.83$256.83
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$71.98
HOA / mo$0.00$0.00$0.00
Total monthly$1,448.48$2,643.04$2,916.97
Cash to close$219,175$39,990$39,990