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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$345,174$345,174$359,100
Remaining term (yrs)25.125.130.0
Secondary amount$0$33,876$0
Funding fee$1,726$1,726$0
Note rate3.1%3.1%7.11%
Blended rate3.1%3.884%7.35%
1st payment$1,644.01$1,644.01$2,415.69
2nd payment$0.00$335.24$0.00
Taxes / mo$452.33$452.33$452.33
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$71.82
HOA / mo$0.00$0.00$0.00
Total monthly$2,246.35$2,581.58$3,089.84
Cash to close$53,826$19,950$39,900