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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$745,026$745,026$872,100
Remaining term (yrs)25.625.630.0
Secondary amount$0$127,074$0
Funding fee$3,725$3,725$0
Note rate5.1%5.1%7.18%
Blended rate5.1%5.523%7.42%
1st payment$4,342.48$4,342.48$5,907.91
2nd payment$0.00$847.16$0.00
Taxes / mo$319.42$319.42$319.42
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$174.42
HOA / mo$81.00$81.00$81.00
Total monthly$4,959.56$5,806.72$6,699.41
Cash to close$223,974$96,900$96,900