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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$513,929$513,929$683,999
Remaining term (yrs)25.125.130.0
Secondary amount$0$170,070$0
Funding fee$2,570$2,570$0
Note rate2.88%2.88%7.18%
Blended rate2.88%4.153%7.42%
1st payment$2,394.28$2,394.28$4,633.65
2nd payment$0.00$1,133.80$0.00
Taxes / mo$251.83$251.83$251.83
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$136.80
HOA / mo$0.00$0.00$0.00
Total monthly$2,862.78$3,996.58$5,238.95
Cash to close$246,070$76,000$76,000