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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$329,617$329,617$355,500
Remaining term (yrs)25.725.730.0
Secondary amount$0$25,883$0
Funding fee$1,648$1,648$0
Note rate5.81%5.81%7.18%
Blended rate5.81%6.042%7.42%
1st payment$2,055.87$2,055.87$2,408.28
2nd payment$0.00$194.12$0.00
Taxes / mo$173.08$173.08$173.08
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$71.10
HOA / mo$0.00$0.00$0.00
Total monthly$2,378.95$2,573.07$2,802.46
Cash to close$65,383$39,500$39,500