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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$291,930$291,930$395,550
Remaining term (yrs)24.724.730.0
Secondary amount$0$103,620$0
Funding fee$1,460$1,460$0
Note rate2.990%2.990%7.400%
Blended rate2.990%4.302%7.640%
1st payment$1,389.09$1,389.09$2,738.71
2nd payment$0.00$690.80$0.00
Taxes / mo$86.50$86.50$86.50
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$79.11
HOA / mo$0.00$0.00$0.00
Total monthly$1,625.59$2,316.39$3,054.32
Cash to close$147,570$43,950$43,950