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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$220,422$220,422$269,908
Remaining term (yrs)25.525.530.0
Secondary amount$0$49,486$0
Funding fee$1,102$1,102$0
Note rate2.54%2.54%7.18%
Blended rate2.54%3.724%7.42%
1st payment$977.09$977.09$1,828.45
2nd payment$0.00$371.15$0.00
Taxes / mo$164.42$164.42$164.42
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$53.98
HOA / mo$97.00$97.00$97.00
Total monthly$1,388.51$1,759.65$2,293.85
Cash to close$79,476$29,990$29,990