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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$369,323$369,323$539,910
Remaining term (yrs)23.623.630.0
Secondary amount$0$170,587$0
Funding fee$1,847$1,847$0
Note rate3.23%3.23%7.18%
Blended rate3.23%4.737%7.42%
1st payment$1,861.86$1,861.86$3,657.54
2nd payment$0.00$1,137.25$0.00
Taxes / mo$191.33$191.33$191.33
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$107.98
HOA / mo$115.00$115.00$115.00
Total monthly$2,334.86$3,472.11$4,238.52
Cash to close$230,577$59,990$59,990