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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$135,247$135,247$310,050
Remaining term (yrs)29.029.030.0
Secondary amount$0$174,803$0
Funding fee$676$676$0
Note rate6.34%6.34%7.18%
Blended rate6.34%7.276%7.42%
1st payment$849.62$849.62$2,100.39
2nd payment$0.00$1,165.35$0.00
Taxes / mo$68.25$68.25$68.25
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$62.01
HOA / mo$75.00$75.00$75.00
Total monthly$1,142.87$2,308.22$2,455.65
Cash to close$209,253$34,450$34,450