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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$375,016$375,016$449,999
Remaining term (yrs)24.624.630.0
Secondary amount$0$74,984$0
Funding fee$1,875$1,875$0
Note rate2.96%2.96%7.18%
Blended rate2.96%3.966%7.42%
1st payment$1,782.66$1,782.66$3,048.45
2nd payment$0.00$562.38$0.00
Taxes / mo$153.25$153.25$153.25
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$90.00
HOA / mo$68.00$68.00$68.00
Total monthly$2,170.58$2,732.95$3,526.37
Cash to close$124,983$50,000$50,000