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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$324,570$324,570$436,500
Remaining term (yrs)24.024.030.0
Secondary amount$0$111,930$0
Funding fee$1,623$1,623$0
Note rate2.91%2.91%7.11%
Blended rate2.91%4.215%7.35%
1st payment$1,563.52$1,563.52$2,936.36
2nd payment$0.00$746.20$0.00
Taxes / mo$453.00$453.00$453.00
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$87.30
HOA / mo$30.83$30.83$30.83
Total monthly$2,214.02$2,960.22$3,674.16
Cash to close$160,430$48,500$48,500