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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$247,858$247,858$260,910
Remaining term (yrs)25.725.730.0
Secondary amount$0$27,547$0
Funding fee$1,239$1,239$0
Note rate5.52%5.52%7.18%
Blended rate5.52%6.156%7.42%
1st payment$1,502.28$1,502.28$1,767.50
2nd payment$0.00$272.60$0.00
Taxes / mo$120.25$120.25$120.25
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$52.18
HOA / mo$260.00$260.00$260.00
Total monthly$2,032.53$2,305.13$2,349.93
Cash to close$42,042$14,495$28,990