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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$274,923$274,923$405,000
Remaining term (yrs)23.223.230.0
Secondary amount$0$130,077$0
Funding fee$1,375$1,375$0
Note rate3.73%3.73%7.18%
Blended rate3.73%5.101%7.42%
1st payment$1,471.79$1,471.79$2,743.61
2nd payment$0.00$867.18$0.00
Taxes / mo$465.50$465.50$465.50
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$81.00
HOA / mo$0.00$0.00$0.00
Total monthly$2,087.29$2,954.47$3,440.11
Cash to close$175,077$45,000$45,000