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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$161,567$161,567$360,000
Remaining term (yrs)19.719.730.0
Secondary amount$0$198,433$0
Funding fee$808$808$0
Note rate3.66%3.66%7.18%
Blended rate3.66%6.052%7.42%
1st payment$955.79$955.79$2,438.77
2nd payment$0.00$1,322.88$0.00
Taxes / mo$123.00$123.00$123.00
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$72.00
HOA / mo$50.00$50.00$50.00
Total monthly$1,278.79$2,601.67$2,833.77
Cash to close$238,433$40,000$40,000