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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$357,385$357,385$564,300
Remaining term (yrs)23.123.130.0
Secondary amount$0$206,915$0
Funding fee$1,787$1,787$0
Note rate3.69%3.69%7.18%
Blended rate3.69%5.179%7.42%
1st payment$1,914.25$1,914.25$3,822.76
2nd payment$0.00$1,336.33$0.00
Taxes / mo$225.92$225.92$225.92
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$112.86
HOA / mo$210.00$210.00$210.00
Total monthly$2,516.83$3,853.16$4,538.21
Cash to close$269,615$62,700$62,700