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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$226,906$226,906$450,000
Remaining term (yrs)23.623.630.0
Secondary amount$0$223,094$0
Funding fee$1,135$1,135$0
Note rate3.33%3.33%7.11%
Blended rate3.33%5.521%7.35%
1st payment$1,153.12$1,153.12$3,027.18
2nd payment$0.00$1,440.81$0.00
Taxes / mo$294.42$294.42$294.42
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$90.00
HOA / mo$0.00$0.00$0.00
Total monthly$1,614.20$3,055.01$3,578.26
Cash to close$273,094$50,000$50,000