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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$182,193$182,193$278,910
Remaining term (yrs)24.924.930.0
Secondary amount$0$96,717$0
Funding fee$911$911$0
Note rate2.77%2.77%7.11%
Blended rate2.77%4.93%7.35%
1st payment$842.34$842.34$1,876.25
2nd payment$0.00$725.38$0.00
Taxes / mo$271.83$271.83$271.83
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$55.78
HOA / mo$360.00$360.00$360.00
Total monthly$1,624.18$2,349.55$2,713.86
Cash to close$127,707$30,990$30,990