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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$210,418$210,418$485,899
Remaining term (yrs)26.026.030.0
Secondary amount$0$275,481$0
Funding fee$1,052$1,052$0
Note rate7.08%7.08%7.18%
Blended rate7.08%7.46%7.42%
1st payment$1,475.50$1,475.50$3,291.65
2nd payment$0.00$1,779.15$0.00
Taxes / mo$175.25$175.25$175.25
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$97.18
HOA / mo$282.00$282.00$282.00
Total monthly$2,099.42$3,878.57$4,012.75
Cash to close$329,470$53,989$53,989