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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$232,372$232,372$386,910
Remaining term (yrs)21.021.030.0
Secondary amount$0$154,538$0
Funding fee$1,162$1,162$0
Note rate3.89%3.89%7.18%
Blended rate3.89%5.532%7.42%
1st payment$1,347.43$1,347.43$2,621.06
2nd payment$0.00$1,030.25$0.00
Taxes / mo$340.00$340.00$340.00
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$77.38
HOA / mo$0.00$0.00$0.00
Total monthly$1,837.43$2,867.68$3,188.45
Cash to close$197,528$42,990$42,990