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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$634,349$634,349$1,601,100
Remaining term (yrs)27.627.630.0
Secondary amount$0$966,751$0
Funding fee$3,172$3,172$0
Note rate7.17%7.17%7.18%
Blended rate7.17%7.52%7.42%
1st payment$4,398.93$4,398.93$10,846.41
2nd payment$0.00$6,243.60$0.00
Taxes / mo$229.92$229.92$229.92
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$320.22
HOA / mo$0.00$0.00$0.00
Total monthly$4,845.51$11,089.12$11,613.21
Cash to close$1,144,651$177,900$177,900