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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$262,375$262,375$616,500
Remaining term (yrs)17.717.730.0
Secondary amount$0$354,125$0
Funding fee$1,312$1,312$0
Note rate4.14%4.14%7.18%
Blended rate4.14%6.214%7.42%
1st payment$1,735.86$1,735.86$4,176.39
2nd payment$0.00$2,287.06$0.00
Taxes / mo$514.67$514.67$514.67
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$123.30
HOA / mo$10.42$10.42$10.42
Total monthly$2,427.61$4,714.67$4,991.44
Cash to close$422,625$68,500$68,500