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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$154,645$154,645$206,910
Remaining term (yrs)22.122.130.0
Secondary amount$0$52,265$0
Funding fee$773$773$0
Note rate4.9%4.9%7.18%
Blended rate4.9%5.936%7.42%
1st payment$954.25$954.25$1,401.68
2nd payment$0.00$391.99$0.00
Taxes / mo$731.67$731.67$731.67
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$41.38
HOA / mo$0.00$0.00$0.00
Total monthly$1,835.91$2,227.90$2,324.73
Cash to close$75,255$22,990$22,990