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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$371,727$371,727$485,910
Remaining term (yrs)24.224.230.0
Secondary amount$0$114,183$0
Funding fee$1,859$1,859$0
Note rate2.67%2.67%7.11%
Blended rate2.67%3.922%7.35%
1st payment$1,732.42$1,732.42$3,268.75
2nd payment$0.00$761.22$0.00
Taxes / mo$199.00$199.00$199.00
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$97.18
HOA / mo$0.00$0.00$0.00
Total monthly$2,098.09$2,859.31$3,731.60
Cash to close$168,173$53,990$53,990