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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$150,885$150,885$314,010
Remaining term (yrs)25.425.430.0
Secondary amount$0$163,125$0
Funding fee$754$754$0
Note rate3.760%3.760%7.400%
Blended rate3.760%5.963%7.640%
1st payment$765.91$765.91$2,174.14
2nd payment$0.00$1,087.50$0.00
Taxes / mo$80.17$80.17$80.17
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$62.80
HOA / mo$0.00$0.00$0.00
Total monthly$996.07$2,083.57$2,467.11
Cash to close$198,015$34,890$34,890