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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$152,610$152,610$252,000
Remaining term (yrs)16.716.730.0
Secondary amount$0$99,390$0
Funding fee$763$763$0
Note rate4.49%4.49%7.18%
Blended rate4.49%6.269%7.42%
1st payment$1,077.97$1,077.97$1,707.14
2nd payment$0.00$745.43$0.00
Taxes / mo$200.17$200.17$200.17
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$50.40
HOA / mo$0.00$0.00$0.00
Total monthly$1,428.14$2,173.57$2,107.70
Cash to close$127,390$28,000$28,000