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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$158,409$158,409$427,500
Remaining term (yrs)18.118.130.0
Secondary amount$0$269,091$0
Funding fee$792$792$0
Note rate3.93%3.93%7.18%
Blended rate3.93%6.335%7.42%
1st payment$1,017.79$1,017.79$2,896.03
2nd payment$0.00$1,737.88$0.00
Taxes / mo$100.33$100.33$100.33
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$85.50
HOA / mo$91.00$91.00$91.00
Total monthly$1,375.79$3,113.67$3,339.53
Cash to close$316,591$47,500$47,500