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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$222,265$222,265$359,100
Remaining term (yrs)22.122.130.0
Secondary amount$0$136,835$0
Funding fee$1,111$1,111$0
Note rate4.83%4.83%7.18%
Blended rate4.83%6.038%7.42%
1st payment$1,359.90$1,359.90$2,432.67
2nd payment$0.00$912.24$0.00
Taxes / mo$368.08$368.08$368.08
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$71.82
HOA / mo$0.00$0.00$0.00
Total monthly$1,877.98$2,790.22$3,022.57
Cash to close$176,735$39,900$39,900