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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$223,098$223,098$314,910
Remaining term (yrs)22.922.930.0
Secondary amount$0$91,812$0
Funding fee$1,115$1,115$0
Note rate2.98%2.98%7.18%
Blended rate2.98%4.735%7.42%
1st payment$1,117.70$1,117.70$2,133.31
2nd payment$0.00$688.59$0.00
Taxes / mo$33.08$33.08$33.08
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$62.98
HOA / mo$0.00$0.00$0.00
Total monthly$1,300.79$1,989.38$2,379.38
Cash to close$126,802$34,990$34,990