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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$226,793$226,793$359,910
Remaining term (yrs)19.619.630.0
Secondary amount$0$133,117$0
Funding fee$1,134$1,134$0
Note rate3.6%3.6%7.18%
Blended rate3.6%5.227%7.42%
1st payment$1,338.48$1,338.48$2,438.16
2nd payment$0.00$887.45$0.00
Taxes / mo$438.83$438.83$438.83
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$71.98
HOA / mo$0.00$0.00$0.00
Total monthly$1,927.31$2,814.75$3,098.97
Cash to close$173,107$39,990$39,990