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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$256,459$256,459$377,910
Remaining term (yrs)23.823.830.0
Secondary amount$0$121,451$0
Funding fee$1,282$1,282$0
Note rate2.25%2.25%7.18%
Blended rate2.25%4.098%7.42%
1st payment$1,156.29$1,156.29$2,560.09
2nd payment$0.00$809.67$0.00
Taxes / mo$350.50$350.50$350.50
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$75.58
HOA / mo$0.00$0.00$0.00
Total monthly$1,656.79$2,466.47$3,136.18
Cash to close$163,441$41,990$41,990