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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$169,771$169,771$315,000
Remaining term (yrs)24.124.130.0
Secondary amount$0$145,229$0
Funding fee$849$849$0
Note rate2.72%2.72%7.18%
Blended rate2.72%5.154%7.42%
1st payment$797.45$797.45$2,133.92
2nd payment$0.00$968.20$0.00
Taxes / mo$286.25$286.25$286.25
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$1,233.70$2,201.89$2,633.17
Cash to close$180,229$35,000$35,000