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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$237,867$237,867$765,000
Remaining term (yrs)19.719.730.0
Secondary amount$0$527,133$0
Funding fee$1,189$1,189$0
Note rate3.48%3.48%7.18%
Blended rate3.48%6.422%7.42%
1st payment$1,385.10$1,385.10$5,182.38
2nd payment$0.00$3,404.40$0.00
Taxes / mo$287.25$287.25$287.25
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$153.00
HOA / mo$0.00$0.00$0.00
Total monthly$1,889.02$5,293.42$5,839.29
Cash to close$612,133$85,000$85,000