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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$212,842$212,842$252,000
Remaining term (yrs)24.224.230.0
Secondary amount$0$39,158$0
Funding fee$1,064$1,064$0
Note rate2.67%2.67%7.18%
Blended rate2.67%3.654%7.42%
1st payment$991.94$991.94$1,707.14
2nd payment$0.00$293.69$0.00
Taxes / mo$362.83$362.83$362.83
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$50.40
HOA / mo$350.00$350.00$350.00
Total monthly$1,854.77$2,148.46$2,620.37
Cash to close$67,158$28,000$28,000