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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$171,789$171,789$346,500
Remaining term (yrs)24.624.630.0
Secondary amount$0$174,711$0
Funding fee$859$859$0
Note rate2.73%2.73%7.18%
Blended rate2.73%5.387%7.42%
1st payment$798.18$798.18$2,347.31
2nd payment$0.00$1,164.74$0.00
Taxes / mo$208.75$208.75$208.75
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$69.30
HOA / mo$236.67$236.67$236.67
Total monthly$1,393.60$2,558.34$3,012.03
Cash to close$213,211$38,500$38,500