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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$341,611$341,611$463,500
Remaining term (yrs)23.023.030.0
Secondary amount$0$121,889$0
Funding fee$1,708$1,708$0
Note rate3.56%3.56%7.11%
Blended rate3.56%4.728%7.35%
1st payment$1,810.34$1,810.34$3,117.99
2nd payment$0.00$812.59$0.00
Taxes / mo$448.17$448.17$448.17
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$92.70
HOA / mo$425.00$425.00$425.00
Total monthly$2,850.17$3,662.76$4,250.53
Cash to close$173,389$51,500$51,500