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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$168,180$168,180$310,500
Remaining term (yrs)23.123.130.0
Secondary amount$0$142,320$0
Funding fee$841$841$0
Note rate3.75%3.75%7.18%
Blended rate3.75%5.698%7.42%
1st payment$904.17$904.17$2,103.44
2nd payment$0.00$948.80$0.00
Taxes / mo$147.00$147.00$147.00
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$62.10
HOA / mo$304.00$304.00$304.00
Total monthly$1,505.17$2,453.97$2,766.54
Cash to close$176,820$34,500$34,500