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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$258,641$258,641$404,910
Remaining term (yrs)24.524.530.0
Secondary amount$0$146,269$0
Funding fee$1,293$1,293$0
Note rate3.02%3.02%7.18%
Blended rate3.02%4.819%7.42%
1st payment$1,243.16$1,243.16$2,743.00
2nd payment$0.00$975.13$0.00
Taxes / mo$362.08$362.08$362.08
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$80.98
HOA / mo$0.00$0.00$0.00
Total monthly$1,755.25$2,730.38$3,336.07
Cash to close$191,259$44,990$44,990