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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$580,621$580,621$647,100
Remaining term (yrs)28.428.430.0
Secondary amount$0$66,479$0
Funding fee$2,903$2,903$0
Note rate6.87%6.87%7.18%
Blended rate6.87%7.089%7.42%
1st payment$3,873.91$3,873.91$4,383.68
2nd payment$0.00$498.59$0.00
Taxes / mo$205.42$205.42$205.42
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$129.42
HOA / mo$105.00$105.00$105.00
Total monthly$4,400.99$4,899.59$5,040.18
Cash to close$138,379$71,900$71,900