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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$230,433$230,433$269,999
Remaining term (yrs)25.125.130.0
Secondary amount$0$39,566$0
Funding fee$1,152$1,152$0
Note rate3.11%3.11%7.11%
Blended rate3.11%3.973%7.35%
1st payment$1,098.73$1,098.73$1,816.30
2nd payment$0.00$296.74$0.00
Taxes / mo$263.83$263.83$263.83
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$54.00
HOA / mo$0.00$0.00$0.00
Total monthly$1,512.56$1,809.31$2,284.13
Cash to close$69,566$30,000$30,000