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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$226,172$226,172$584,910
Remaining term (yrs)24.624.630.0
Secondary amount$0$358,738$0
Funding fee$1,131$1,131$0
Note rate3.13%3.13%7.18%
Blended rate3.13%5.964%7.42%
1st payment$1,095.14$1,095.14$3,962.38
2nd payment$0.00$2,316.85$0.00
Taxes / mo$730.67$730.67$730.67
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$116.98
HOA / mo$29.17$29.17$29.17
Total monthly$2,021.64$4,338.49$5,005.87
Cash to close$423,728$64,990$64,990