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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$442,398$442,398$765,000
Remaining term (yrs)23.823.830.0
Secondary amount$0$322,602$0
Funding fee$2,212$2,212$0
Note rate3.21%3.21%7.18%
Blended rate3.21%5.125%7.42%
1st payment$2,210.10$2,210.10$5,182.38
2nd payment$0.00$2,083.47$0.00
Taxes / mo$357.33$357.33$357.33
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$153.00
HOA / mo$36.67$36.67$36.67
Total monthly$2,820.77$4,904.25$5,946.05
Cash to close$407,602$85,000$85,000