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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$97,131$97,131$198,000
Remaining term (yrs)21.521.530.0
Secondary amount$0$100,869$0
Funding fee$486$486$0
Note rate4.44%4.44%7.18%
Blended rate4.44%6.254%7.42%
1st payment$583.63$583.63$1,341.32
2nd payment$0.00$672.46$0.00
Taxes / mo$241.25$241.25$241.25
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$39.60
HOA / mo$349.00$349.00$349.00
Total monthly$1,323.88$1,996.34$2,121.17
Cash to close$122,869$22,000$22,000