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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$210,956$210,956$292,410
Remaining term (yrs)24.124.130.0
Secondary amount$0$81,454$0
Funding fee$1,055$1,055$0
Note rate2.78%2.78%7.11%
Blended rate2.78%4.513%7.35%
1st payment$997.35$997.35$1,967.06
2nd payment$0.00$610.90$0.00
Taxes / mo$300.67$300.67$300.67
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$58.48
HOA / mo$0.00$0.00$0.00
Total monthly$1,448.02$2,058.92$2,476.21
Cash to close$113,944$32,490$32,490