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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$377,577$377,577$1,260,000
Remaining term (yrs)24.124.130.0
Secondary amount$0$882,423$0
Funding fee$1,888$1,888$0
Note rate2.89%2.89%7.18%
Blended rate2.89%6.294%7.42%
1st payment$1,810.66$1,810.66$8,535.68
2nd payment$0.00$5,698.98$0.00
Taxes / mo$364.17$364.17$364.17
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$252.00
HOA / mo$0.00$0.00$0.00
Total monthly$2,391.49$8,090.48$9,368.51
Cash to close$1,022,423$140,000$140,000