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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$133,186$133,186$166,500
Remaining term (yrs)24.424.430.0
Secondary amount$0$33,314$0
Funding fee$666$666$0
Note rate2.74%2.74%7.18%
Blended rate2.74%3.993%7.42%
1st payment$622.45$622.45$1,127.93
2nd payment$0.00$249.85$0.00
Taxes / mo$90.67$90.67$90.67
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$33.30
HOA / mo$0.00$0.00$0.00
Total monthly$863.12$1,112.97$1,401.90
Cash to close$51,814$18,500$18,500