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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$297,645$297,645$346,410
Remaining term (yrs)24.524.530.0
Secondary amount$0$48,765$0
Funding fee$1,488$1,488$0
Note rate3.09%3.09%7.11%
Blended rate3.09%3.922%7.35%
1st payment$1,441.48$1,441.48$2,330.32
2nd payment$0.00$365.74$0.00
Taxes / mo$266.25$266.25$266.25
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$69.28
HOA / mo$0.00$0.00$0.00
Total monthly$1,857.73$2,223.47$2,815.85
Cash to close$87,255$38,490$38,490