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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$339,884$339,884$359,910
Remaining term (yrs)26.826.830.0
Secondary amount$0$40,021$0
Funding fee$1,699$1,699$0
Note rate6.78%6.78%7.18%
Blended rate6.78%7.317%7.42%
1st payment$2,291.74$2,291.74$2,438.16
2nd payment$0.00$396.04$0.00
Taxes / mo$415.33$415.33$415.33
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$71.98
HOA / mo$0.00$0.00$0.00
Total monthly$2,857.07$3,253.11$3,075.47
Cash to close$60,016$19,995$39,990