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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$111,184$111,184$359,910
Remaining term (yrs)18.018.030.0
Secondary amount$0$248,726$0
Funding fee$556$556$0
Note rate2.9%2.9%7.11%
Blended rate2.9%6.252%7.35%
1st payment$656.71$656.71$2,421.14
2nd payment$0.00$1,606.36$0.00
Taxes / mo$346.83$346.83$346.83
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$71.98
HOA / mo$0.00$0.00$0.00
Total monthly$1,153.54$2,759.90$2,989.95
Cash to close$288,716$39,990$39,990