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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$182,246$182,246$314,550
Remaining term (yrs)21.121.130.0
Secondary amount$0$132,304$0
Funding fee$911$911$0
Note rate2.72%2.72%7.11%
Blended rate2.72%4.941%7.35%
1st payment$941.81$941.81$2,116.00
2nd payment$0.00$882.02$0.00
Taxes / mo$372.25$372.25$372.25
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$62.91
HOA / mo$0.00$0.00$0.00
Total monthly$1,464.06$2,346.09$2,701.16
Cash to close$167,254$34,950$34,950