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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$154,262$154,262$467,910
Remaining term (yrs)23.423.430.0
Secondary amount$0$313,648$0
Funding fee$771$771$0
Note rate3.47%3.47%7.11%
Blended rate3.47%6.339%7.35%
1st payment$800.80$800.80$3,147.66
2nd payment$0.00$2,025.64$0.00
Taxes / mo$383.50$383.50$383.50
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$93.58
HOA / mo$0.00$0.00$0.00
Total monthly$1,350.96$3,376.61$3,791.41
Cash to close$365,638$51,990$51,990