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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$196,415$196,415$269,910
Remaining term (yrs)25.125.130.0
Secondary amount$0$73,495$0
Funding fee$982$982$0
Note rate3.14%3.14%7.18%
Blended rate3.14%4.736%7.42%
1st payment$941.66$941.66$1,828.46
2nd payment$0.00$551.21$0.00
Taxes / mo$254.92$254.92$254.92
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$53.98
HOA / mo$390.00$390.00$390.00
Total monthly$1,736.58$2,287.79$2,677.36
Cash to close$103,485$29,990$29,990