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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$207,516$207,516$310,410
Remaining term (yrs)28.428.430.0
Secondary amount$0$102,894$0
Funding fee$1,038$1,038$0
Note rate6.63%6.63%7.18%
Blended rate6.63%7.084%7.42%
1st payment$1,351.92$1,351.92$2,102.83
2nd payment$0.00$685.96$0.00
Taxes / mo$130.33$130.33$130.33
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$62.08
HOA / mo$113.00$113.00$113.00
Total monthly$1,745.25$2,431.21$2,558.24
Cash to close$137,384$34,490$34,490