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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$159,699$159,699$485,910
Remaining term (yrs)15.915.930.0
Secondary amount$0$326,211$0
Funding fee$798$798$0
Note rate3.66%3.66%7.18%
Blended rate3.66%6.406%7.42%
1st payment$1,100.17$1,100.17$3,291.72
2nd payment$0.00$2,106.78$0.00
Taxes / mo$530.83$530.83$530.83
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$97.18
HOA / mo$0.00$0.00$0.00
Total monthly$1,797.67$3,904.45$4,086.41
Cash to close$380,201$53,990$53,990