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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$125,539$125,539$171,000
Remaining term (yrs)25.125.130.0
Secondary amount$0$45,461$0
Funding fee$628$628$0
Note rate3.11%3.11%7.18%
Blended rate3.11%4.676%7.42%
1st payment$598.58$598.58$1,158.41
2nd payment$0.00$340.96$0.00
Taxes / mo$22.17$22.17$22.17
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$34.20
HOA / mo$399.00$399.00$399.00
Total monthly$1,169.75$1,510.71$1,763.78
Cash to close$64,461$19,000$19,000