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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$243,166$243,166$270,000
Remaining term (yrs)25.425.430.0
Secondary amount$0$26,834$0
Funding fee$1,216$1,216$0
Note rate3.69%3.69%7.11%
Blended rate3.69%4.218%7.35%
1st payment$1,227.45$1,227.45$1,816.31
2nd payment$0.00$201.26$0.00
Taxes / mo$254.33$254.33$254.33
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$54.00
HOA / mo$179.00$179.00$179.00
Total monthly$1,810.78$2,012.04$2,453.64
Cash to close$56,834$30,000$30,000