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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$243,911$243,911$279,000
Remaining term (yrs)26.126.130.0
Secondary amount$0$35,089$0
Funding fee$1,220$1,220$0
Note rate6.9%6.9%7.18%
Blended rate6.9%7.164%7.42%
1st payment$1,680.12$1,680.12$1,890.04
2nd payment$0.00$263.17$0.00
Taxes / mo$510.33$510.33$510.33
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$55.80
HOA / mo$0.00$0.00$0.00
Total monthly$2,340.45$2,603.62$2,606.18
Cash to close$66,089$31,000$31,000