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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$452,776$452,776$472,500
Remaining term (yrs)25.125.130.0
Secondary amount$0$45,974$0
Funding fee$2,264$2,264$0
Note rate3.22%3.22%7.18%
Blended rate3.22%4.018%7.42%
1st payment$2,185.11$2,185.11$3,200.88
2nd payment$0.00$454.95$0.00
Taxes / mo$270.17$270.17$270.17
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$94.50
HOA / mo$170.00$170.00$170.00
Total monthly$2,791.94$3,246.89$3,902.21
Cash to close$72,224$26,250$52,500