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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$186,303$186,303$215,910
Remaining term (yrs)25.025.030.0
Secondary amount$0$29,607$0
Funding fee$932$932$0
Note rate2.86%2.86%7.11%
Blended rate2.86%3.702%7.35%
1st payment$867.98$867.98$1,452.44
2nd payment$0.00$222.05$0.00
Taxes / mo$207.83$207.83$207.83
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$43.18
HOA / mo$300.00$300.00$300.00
Total monthly$1,525.82$1,747.87$2,153.46
Cash to close$53,597$23,990$23,990