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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$105,297$105,297$306,000
Remaining term (yrs)16.316.330.0
Secondary amount$0$200,703$0
Funding fee$526$526$0
Note rate3.35%3.35%7.11%
Blended rate3.35%6.236%7.35%
1st payment$695.61$695.61$2,058.48
2nd payment$0.00$1,296.20$0.00
Taxes / mo$159.00$159.00$159.00
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$61.20
HOA / mo$0.00$0.00$0.00
Total monthly$1,004.61$2,300.82$2,428.68
Cash to close$234,703$34,000$34,000