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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$291,748$291,748$355,500
Remaining term (yrs)24.024.030.0
Secondary amount$0$63,752$0
Funding fee$1,459$1,459$0
Note rate2.86%2.86%7.18%
Blended rate2.86%3.961%7.42%
1st payment$1,397.93$1,397.93$2,408.28
2nd payment$0.00$478.14$0.00
Taxes / mo$398.17$398.17$398.17
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$71.10
HOA / mo$0.00$0.00$0.00
Total monthly$1,946.10$2,424.24$3,027.55
Cash to close$103,252$39,500$39,500