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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$554,962$554,962$882,000
Remaining term (yrs)24.624.630.0
Secondary amount$0$327,038$0
Funding fee$2,775$2,775$0
Note rate2.96%2.96%7.18%
Blended rate2.96%4.736%7.42%
1st payment$2,638.05$2,638.05$5,974.98
2nd payment$0.00$2,112.12$0.00
Taxes / mo$366.25$366.25$366.25
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$176.40
HOA / mo$196.00$196.00$196.00
Total monthly$3,416.97$5,529.09$6,930.29
Cash to close$425,038$98,000$98,000