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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$90,950$90,950$328,500
Remaining term (yrs)18.418.430.0
Secondary amount$0$237,550$0
Funding fee$455$455$0
Note rate3.71%3.71%7.18%
Blended rate3.71%6.631%7.42%
1st payment$566.84$566.84$2,225.37
2nd payment$0.00$1,534.18$0.00
Taxes / mo$169.25$169.25$169.25
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$65.70
HOA / mo$56.00$56.00$56.00
Total monthly$942.09$2,476.27$2,666.32
Cash to close$274,050$36,500$36,500