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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$145,688$145,688$333,000
Remaining term (yrs)24.424.430.0
Secondary amount$0$187,312$0
Funding fee$728$728$0
Note rate2.74%2.74%7.18%
Blended rate2.74%5.699%7.42%
1st payment$680.88$680.88$2,255.86
2nd payment$0.00$1,248.75$0.00
Taxes / mo$99.42$99.42$99.42
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$66.60
HOA / mo$0.00$0.00$0.00
Total monthly$930.30$2,179.04$2,571.87
Cash to close$224,312$37,000$37,000