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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$308,694$308,694$377,910
Remaining term (yrs)24.524.530.0
Secondary amount$0$69,216$0
Funding fee$1,543$1,543$0
Note rate3.17%3.17%7.18%
Blended rate3.17%4.238%7.42%
1st payment$1,507.90$1,507.90$2,560.09
2nd payment$0.00$519.12$0.00
Taxes / mo$298.33$298.33$298.33
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$75.58
HOA / mo$0.00$0.00$0.00
Total monthly$1,956.23$2,475.35$3,084.01
Cash to close$111,206$41,990$41,990