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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$274,725$274,725$293,400
Remaining term (yrs)27.627.630.0
Secondary amount$0$34,975$0
Funding fee$1,374$1,374$0
Note rate6.99%6.99%7.18%
Blended rate6.99%7.542%7.42%
1st payment$1,870.69$1,870.69$1,987.59
2nd payment$0.00$346.11$0.00
Taxes / mo$120.17$120.17$120.17
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$58.68
HOA / mo$0.00$0.00$0.00
Total monthly$2,140.86$2,486.96$2,316.44
Cash to close$51,275$16,300$32,600