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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$315,257$315,257$494,910
Remaining term (yrs)24.524.530.0
Secondary amount$0$179,653$0
Funding fee$1,576$1,576$0
Note rate3.09%3.09%7.11%
Blended rate3.09%4.872%7.35%
1st payment$1,526.77$1,526.77$3,329.29
2nd payment$0.00$1,197.68$0.00
Taxes / mo$109.17$109.17$109.17
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$98.98
HOA / mo$0.00$0.00$0.00
Total monthly$1,802.61$3,000.29$3,704.11
Cash to close$234,643$54,990$54,990