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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$333,163$333,163$350,910
Remaining term (yrs)25.525.530.0
Secondary amount$0$37,242$0
Funding fee$1,666$1,666$0
Note rate4.17%4.17%7.18%
Blended rate4.17%4.945%7.42%
1st payment$1,766.83$1,766.83$2,377.19
2nd payment$0.00$368.54$0.00
Taxes / mo$145.83$145.83$145.83
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$70.18
HOA / mo$200.00$200.00$200.00
Total monthly$2,262.67$2,631.21$2,943.20
Cash to close$56,737$19,495$38,990