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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$124,362$124,362$383,400
Remaining term (yrs)17.617.630.0
Secondary amount$0$259,038$0
Funding fee$622$622$0
Note rate4.14%4.14%7.18%
Blended rate4.14%6.579%7.42%
1st payment$825.39$825.39$2,597.29
2nd payment$0.00$1,672.95$0.00
Taxes / mo$155.50$155.50$155.50
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$76.68
HOA / mo$0.00$0.00$0.00
Total monthly$1,130.89$2,803.84$2,979.47
Cash to close$301,638$42,600$42,600