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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$198,604$198,604$285,300
Remaining term (yrs)23.423.430.0
Secondary amount$0$86,696$0
Funding fee$993$993$0
Note rate3.51%3.51%7.18%
Blended rate3.51%5.178%7.42%
1st payment$1,035.19$1,035.19$1,932.72
2nd payment$0.00$650.22$0.00
Taxes / mo$236.17$236.17$236.17
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$57.06
HOA / mo$0.00$0.00$0.00
Total monthly$1,421.36$2,071.57$2,375.95
Cash to close$118,396$31,700$31,700