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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$150,163$150,163$261,000
Remaining term (yrs)24.324.330.0
Secondary amount$0$110,837$0
Funding fee$751$751$0
Note rate2.65%2.65%7.18%
Blended rate2.65%4.922%7.42%
1st payment$696.61$696.61$1,768.10
2nd payment$0.00$738.91$0.00
Taxes / mo$327.75$327.75$327.75
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$52.20
HOA / mo$371.00$371.00$371.00
Total monthly$1,545.36$2,284.27$2,669.05
Cash to close$139,837$29,000$29,000