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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$356,376$356,376$371,700
Remaining term (yrs)27.627.630.0
Secondary amount$0$35,974$0
Funding fee$1,782$1,782$0
Note rate7.06%7.06%7.18%
Blended rate7.06%7.501%7.42%
1st payment$2,443.08$2,443.08$2,518.03
2nd payment$0.00$356.00$0.00
Taxes / mo$189.25$189.25$189.25
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$74.34
HOA / mo$0.00$0.00$0.00
Total monthly$2,782.33$3,138.33$2,931.62
Cash to close$56,624$20,650$41,300