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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$161,385$161,385$355,500
Remaining term (yrs)16.216.230.0
Secondary amount$0$194,115$0
Funding fee$807$807$0
Note rate3.32%3.32%7.18%
Blended rate3.32%5.875%7.42%
1st payment$1,067.83$1,067.83$2,408.28
2nd payment$0.00$1,294.10$0.00
Taxes / mo$408.83$408.83$408.83
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$71.10
HOA / mo$664.00$664.00$664.00
Total monthly$2,290.66$3,584.77$3,702.21
Cash to close$233,615$39,500$39,500