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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$144,062$144,062$292,500
Remaining term (yrs)19.219.230.0
Secondary amount$0$148,438$0
Funding fee$720$720$0
Note rate3.94%3.94%7.11%
Blended rate3.94%6%7.35%
1st payment$888.17$888.17$1,967.67
2nd payment$0.00$989.59$0.00
Taxes / mo$269.17$269.17$269.17
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$58.50
HOA / mo$0.00$0.00$0.00
Total monthly$1,307.33$2,296.92$2,445.33
Cash to close$180,938$32,500$32,500