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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$188,239$188,239$323,910
Remaining term (yrs)19.719.730.0
Secondary amount$0$135,671$0
Funding fee$941$941$0
Note rate3.56%3.56%7.18%
Blended rate3.56%5.42%7.42%
1st payment$1,103.86$1,103.86$2,194.28
2nd payment$0.00$904.47$0.00
Taxes / mo$73.33$73.33$73.33
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$64.78
HOA / mo$0.00$0.00$0.00
Total monthly$1,327.19$2,231.66$2,482.39
Cash to close$171,661$35,990$35,990