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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$229,964$229,964$283,499
Remaining term (yrs)15.015.030.0
Secondary amount$0$53,535$0
Funding fee$1,150$1,150$0
Note rate2.77%2.77%7.18%
Blended rate2.77%3.946%7.42%
1st payment$1,555.81$1,555.81$1,920.52
2nd payment$0.00$401.51$0.00
Taxes / mo$309.33$309.33$309.33
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$56.70
HOA / mo$0.00$0.00$0.00
Total monthly$2,015.15$2,416.66$2,436.55
Cash to close$85,035$31,500$31,500