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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$213,447$213,447$346,435
Remaining term (yrs)22.622.630.0
Secondary amount$0$132,988$0
Funding fee$1,067$1,067$0
Note rate4.06%4.06%7.18%
Blended rate4.06%5.572%7.42%
1st payment$1,198.98$1,198.98$2,346.87
2nd payment$0.00$886.59$0.00
Taxes / mo$345.67$345.67$345.67
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$69.29
HOA / mo$0.00$0.00$0.00
Total monthly$1,694.65$2,581.24$2,911.83
Cash to close$171,481$38,493$38,493