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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$426,903$426,903$900,000
Remaining term (yrs)11.111.130.0
Secondary amount$0$473,097$0
Funding fee$2,135$2,135$0
Note rate5.67%5.67%7.18%
Blended rate5.67%6.763%7.42%
1st payment$4,307.41$4,307.41$6,096.91
2nd payment$0.00$3,055.42$0.00
Taxes / mo$524.50$524.50$524.50
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$180.00
HOA / mo$0.00$0.00$0.00
Total monthly$5,048.57$8,103.99$7,018.08
Cash to close$573,097$100,000$100,000