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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$85,103$85,103$202,500
Remaining term (yrs)23.523.530.0
Secondary amount$0$117,397$0
Funding fee$426$426$0
Note rate2.83%2.83%7.18%
Blended rate2.83%5.827%7.42%
1st payment$412.49$412.49$1,371.81
2nd payment$0.00$782.65$0.00
Taxes / mo$219.92$219.92$219.92
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$40.50
HOA / mo$200.00$200.00$200.00
Total monthly$982.41$1,765.05$1,982.22
Cash to close$139,897$22,500$22,500