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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$76,978$76,978$220,500
Remaining term (yrs)16.116.130.0
Secondary amount$0$143,522$0
Funding fee$385$385$0
Note rate3.94%3.94%7.18%
Blended rate3.94%6.583%7.42%
1st payment$537.12$537.12$1,493.74
2nd payment$0.00$956.82$0.00
Taxes / mo$256.67$256.67$256.67
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$44.10
HOA / mo$357.00$357.00$357.00
Total monthly$1,300.78$2,257.60$2,301.51
Cash to close$168,022$24,500$24,500