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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$245,384$245,384$256,500
Remaining term (yrs)25.425.430.0
Secondary amount$0$25,366$0
Funding fee$1,227$1,227$0
Note rate2.86%2.86%7.18%
Blended rate2.86%3.705%7.42%
1st payment$1,130.47$1,130.47$1,737.62
2nd payment$0.00$251.02$0.00
Taxes / mo$151.08$151.08$151.08
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$51.30
HOA / mo$0.00$0.00$0.00
Total monthly$1,431.55$1,682.57$2,090.00
Cash to close$39,616$14,250$28,500