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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$213,397$213,397$269,910
Remaining term (yrs)24.724.730.0
Secondary amount$0$56,513$0
Funding fee$1,067$1,067$0
Note rate2.96%2.96%7.11%
Blended rate2.96%4.225%7.35%
1st payment$1,012.09$1,012.09$1,815.70
2nd payment$0.00$423.84$0.00
Taxes / mo$355.75$355.75$355.75
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$1,517.84$1,941.68$2,375.43
Cash to close$86,503$29,990$29,990