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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$519,833$519,833$584,550
Remaining term (yrs)28.028.030.0
Secondary amount$0$64,717$0
Funding fee$2,599$2,599$0
Note rate6.09%6.09%7.18%
Blended rate6.09%6.412%7.42%
1st payment$3,223.55$3,223.55$3,959.95
2nd payment$0.00$485.38$0.00
Taxes / mo$179.08$179.08$179.08
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$116.91
HOA / mo$112.00$112.00$112.00
Total monthly$3,681.30$4,166.68$4,534.61
Cash to close$129,667$64,950$64,950