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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$462,212$462,212$463,500
Remaining term (yrs)27.527.530.0
Secondary amount$0$27,038$0
Funding fee$2,311$2,311$0
Note rate6.82%6.82%7.18%
Blended rate6.82%7.099%7.42%
1st payment$3,102.24$3,102.24$3,139.91
2nd payment$0.00$267.56$0.00
Taxes / mo$255.67$255.67$255.67
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$92.70
HOA / mo$123.33$123.33$123.33
Total monthly$3,647.91$3,915.47$3,778.27
Cash to close$52,788$25,750$51,500