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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$266,816$266,816$431,910
Remaining term (yrs)23.623.630.0
Secondary amount$0$165,094$0
Funding fee$1,334$1,334$0
Note rate3.21%3.21%7.18%
Blended rate3.21%5.041%7.42%
1st payment$1,339.17$1,339.17$2,925.91
2nd payment$0.00$1,100.63$0.00
Taxes / mo$148.92$148.92$148.92
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$86.38
HOA / mo$405.00$405.00$405.00
Total monthly$2,059.75$3,160.38$3,732.87
Cash to close$213,084$47,990$47,990