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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$333,842$333,842$1,080,000
Remaining term (yrs)23.723.730.0
Secondary amount$0$746,158$0
Funding fee$1,669$1,669$0
Note rate3.100%3.100%7.400%
Blended rate3.100%6.313%7.640%
1st payment$1,652.55$1,652.55$7,477.70
2nd payment$0.00$4,818.94$0.00
Taxes / mo$205.75$205.75$205.75
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$216.00
HOA / mo$0.00$0.00$0.00
Total monthly$2,074.97$6,893.91$8,116.12
Cash to close$866,158$120,000$120,000