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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$374,415$374,415$391,500
Remaining term (yrs)29.529.530.0
Secondary amount$0$38,835$0
Funding fee$1,872$1,872$0
Note rate6.22%6.22%7.18%
Blended rate6.22%6.751%7.42%
1st payment$2,309.17$2,309.17$2,652.16
2nd payment$0.00$384.30$0.00
Taxes / mo$77.33$77.33$77.33
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$78.30
HOA / mo$0.00$0.00$0.00
Total monthly$2,536.50$2,920.81$2,957.79
Cash to close$60,585$21,750$43,500