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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$195,222$195,222$310,500
Remaining term (yrs)22.022.030.0
Secondary amount$0$115,278$0
Funding fee$976$976$0
Note rate4.65%4.65%7.18%
Blended rate4.65%5.894%7.42%
1st payment$1,179.86$1,179.86$2,103.44
2nd payment$0.00$768.52$0.00
Taxes / mo$305.42$305.42$305.42
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$62.10
HOA / mo$0.00$0.00$0.00
Total monthly$1,635.28$2,403.80$2,620.95
Cash to close$149,778$34,500$34,500