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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$563,620$563,620$890,100
Remaining term (yrs)24.524.530.0
Secondary amount$0$326,480$0
Funding fee$2,818$2,818$0
Note rate3%3%7.18%
Blended rate3%4.742%7.42%
1st payment$2,703.21$2,703.21$6,029.85
2nd payment$0.00$2,108.52$0.00
Taxes / mo$116.17$116.17$116.17
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$178.02
HOA / mo$175.00$175.00$175.00
Total monthly$3,211.04$5,319.56$6,715.70
Cash to close$425,380$98,900$98,900