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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$863,802$863,802$967,500
Remaining term (yrs)26.626.630.0
Secondary amount$0$103,698$0
Funding fee$4,319$4,319$0
Note rate6.67%6.67%7.18%
Blended rate6.67%6.813%7.42%
1st payment$5,782.59$5,782.59$6,554.18
2nd payment$0.00$691.32$0.00
Taxes / mo$298.50$298.50$298.50
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$193.50
HOA / mo$132.00$132.00$132.00
Total monthly$6,429.75$7,121.07$7,394.85
Cash to close$211,198$107,500$107,500