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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$115,646$115,646$337,410
Remaining term (yrs)16.616.630.0
Secondary amount$0$221,764$0
Funding fee$578$578$0
Note rate3.42%3.42%7.11%
Blended rate3.42%6.266%7.35%
1st payment$756.60$756.60$2,269.78
2nd payment$0.00$1,432.22$0.00
Taxes / mo$45.83$45.83$45.83
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$67.48
HOA / mo$190.00$190.00$190.00
Total monthly$1,142.43$2,574.65$2,723.09
Cash to close$259,254$37,490$37,490