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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$173,485$173,485$359,100
Remaining term (yrs)24.124.130.0
Secondary amount$0$185,615$0
Funding fee$867$867$0
Note rate2.81%2.81%7.18%
Blended rate2.81%5.493%7.42%
1st payment$822.85$822.85$2,432.67
2nd payment$0.00$1,237.44$0.00
Taxes / mo$121.17$121.17$121.17
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$71.82
HOA / mo$0.00$0.00$0.00
Total monthly$1,094.02$2,331.45$2,775.66
Cash to close$225,515$39,900$39,900