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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$151,547$151,547$267,750
Remaining term (yrs)25.125.130.0
Secondary amount$0$116,203$0
Funding fee$758$758$0
Note rate2.9%2.9%7.18%
Blended rate2.9%5.113%7.42%
1st payment$707.59$707.59$1,813.83
2nd payment$0.00$774.68$0.00
Taxes / mo$160.08$160.08$160.08
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$53.55
HOA / mo$0.00$0.00$0.00
Total monthly$1,017.67$1,792.36$2,177.47
Cash to close$145,953$29,750$29,750