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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$576,776$576,776$855,000
Remaining term (yrs)24.324.330.0
Secondary amount$0$278,224$0
Funding fee$2,884$2,884$0
Note rate2.83%2.83%7.18%
Blended rate2.83%4.431%7.42%
1st payment$2,728.57$2,728.57$5,792.07
2nd payment$0.00$1,796.86$0.00
Taxes / mo$229.58$229.58$229.58
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$171.00
HOA / mo$76.67$76.67$76.67
Total monthly$3,251.49$5,048.36$6,485.99
Cash to close$373,224$95,000$95,000