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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$92,574$92,574$314,910
Remaining term (yrs)15.615.630.0
Secondary amount$0$222,336$0
Funding fee$463$463$0
Note rate3.78%3.78%7.11%
Blended rate3.78%6.583%7.35%
1st payment$650.75$650.75$2,118.42
2nd payment$0.00$1,435.92$0.00
Taxes / mo$426.83$426.83$426.83
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$62.98
HOA / mo$0.00$0.00$0.00
Total monthly$1,227.58$2,663.50$2,758.24
Cash to close$257,326$34,990$34,990