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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$350,747$350,747$359,100
Remaining term (yrs)27.827.830.0
Secondary amount$0$28,303$0
Funding fee$1,754$1,754$0
Note rate6.89%6.89%7.18%
Blended rate6.89%7.262%7.42%
1st payment$2,360.67$2,360.67$2,432.67
2nd payment$0.00$280.08$0.00
Taxes / mo$40.42$40.42$40.42
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$71.82
HOA / mo$0.00$0.00$0.00
Total monthly$2,551.09$2,831.17$2,694.91
Cash to close$48,253$19,950$39,900