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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$140,632$140,632$315,000
Remaining term (yrs)18.418.430.0
Secondary amount$0$174,368$0
Funding fee$703$703$0
Note rate3.67%3.67%7.18%
Blended rate3.67%6.067%7.42%
1st payment$873.61$873.61$2,133.92
2nd payment$0.00$1,162.45$0.00
Taxes / mo$395.42$395.42$395.42
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$63.00
HOA / mo$0.00$0.00$0.00
Total monthly$1,419.03$2,581.48$2,742.34
Cash to close$209,368$35,000$35,000