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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$299,639$299,639$562,500
Remaining term (yrs)25.125.130.0
Secondary amount$0$262,861$0
Funding fee$1,498$1,498$0
Note rate3.09%3.09%7.18%
Blended rate3.09%5.268%7.42%
1st payment$1,428.69$1,428.69$3,810.57
2nd payment$0.00$1,697.64$0.00
Taxes / mo$266.42$266.42$266.42
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$112.50
HOA / mo$198.00$198.00$198.00
Total monthly$2,059.77$3,757.41$4,554.15
Cash to close$325,361$62,500$62,500