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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$191,996$191,996$269,910
Remaining term (yrs)20.320.330.0
Secondary amount$0$77,914$0
Funding fee$960$960$0
Note rate4.19%4.19%7.18%
Blended rate4.19%5.578%7.42%
1st payment$1,167.36$1,167.36$1,828.46
2nd payment$0.00$584.35$0.00
Taxes / mo$447.17$447.17$447.17
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$53.98
HOA / mo$0.00$0.00$0.00
Total monthly$1,764.52$2,348.88$2,479.61
Cash to close$107,904$29,990$29,990