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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$249,195$249,195$377,910
Remaining term (yrs)24.524.530.0
Secondary amount$0$128,715$0
Funding fee$1,246$1,246$0
Note rate3.02%3.02%7.11%
Blended rate3.02%4.716%7.35%
1st payment$1,197.76$1,197.76$2,542.22
2nd payment$0.00$858.10$0.00
Taxes / mo$339.67$339.67$339.67
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$75.58
HOA / mo$0.00$0.00$0.00
Total monthly$1,687.43$2,545.53$3,107.47
Cash to close$170,705$41,990$41,990