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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$201,824$201,824$224,100
Remaining term (yrs)25.325.330.0
Secondary amount$0$34,726$0
Funding fee$1,009$1,009$0
Note rate3.11%3.11%7.11%
Blended rate3.11%4.397%7.35%
1st payment$958.16$958.16$1,507.54
2nd payment$0.00$343.65$0.00
Taxes / mo$11.58$11.58$11.58
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$44.82
HOA / mo$265.00$265.00$265.00
Total monthly$1,384.74$1,728.39$1,978.94
Cash to close$47,176$12,450$24,900