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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$232,686$232,686$449,910
Remaining term (yrs)24.724.730.0
Secondary amount$0$217,224$0
Funding fee$1,163$1,163$0
Note rate2.98%2.98%7.18%
Blended rate2.98%5.283%7.42%
1st payment$1,105.98$1,105.98$3,047.85
2nd payment$0.00$1,402.91$0.00
Taxes / mo$162.42$162.42$162.42
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$89.98
HOA / mo$95.67$95.67$95.67
Total monthly$1,530.74$2,933.64$3,562.58
Cash to close$267,214$49,990$49,990