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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$241,531$241,531$341,910
Remaining term (yrs)23.823.830.0
Secondary amount$0$100,379$0
Funding fee$1,208$1,208$0
Note rate3.15%3.15%7.11%
Blended rate3.15%4.574%7.35%
1st payment$1,199.06$1,199.06$2,300.05
2nd payment$0.00$669.20$0.00
Taxes / mo$297.67$297.67$297.67
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$68.38
HOA / mo$0.00$0.00$0.00
Total monthly$1,646.73$2,315.93$2,816.10
Cash to close$138,369$37,990$37,990