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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$209,100$209,100$337,410
Remaining term (yrs)24.824.830.0
Secondary amount$0$128,310$0
Funding fee$1,045$1,045$0
Note rate2.8%2.8%7.11%
Blended rate2.8%4.777%7.35%
1st payment$972.20$972.20$2,269.78
2nd payment$0.00$855.40$0.00
Taxes / mo$307.00$307.00$307.00
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$67.48
HOA / mo$0.00$0.00$0.00
Total monthly$1,429.20$2,284.60$2,794.26
Cash to close$165,800$37,490$37,490