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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$155,299$155,299$391,500
Remaining term (yrs)24.324.330.0
Secondary amount$0$236,201$0
Funding fee$776$776$0
Note rate2.79%2.79%7.18%
Blended rate2.79%5.782%7.42%
1st payment$731.50$731.50$2,652.16
2nd payment$0.00$1,525.46$0.00
Taxes / mo$186.50$186.50$186.50
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$78.30
HOA / mo$225.00$225.00$225.00
Total monthly$1,293.00$2,818.46$3,291.96
Cash to close$279,701$43,500$43,500