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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$577,215$577,215$580,500
Remaining term (yrs)25.925.930.0
Secondary amount$0$35,535$0
Funding fee$2,886$2,886$0
Note rate5.13%5.13%7.18%
Blended rate5.13%5.521%7.42%
1st payment$3,353.73$3,353.73$3,932.51
2nd payment$0.00$351.64$0.00
Taxes / mo$214.83$214.83$214.83
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$116.10
HOA / mo$141.00$141.00$141.00
Total monthly$3,876.23$4,227.88$4,571.11
Cash to close$67,785$32,250$64,500