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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$318,654$318,654$697,500
Remaining term (yrs)23.223.230.0
Secondary amount$0$378,846$0
Funding fee$1,593$1,593$0
Note rate3.72%3.72%7.18%
Blended rate3.72%5.909%7.42%
1st payment$1,704.19$1,704.19$4,725.11
2nd payment$0.00$2,446.72$0.00
Taxes / mo$677.50$677.50$677.50
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$139.50
HOA / mo$66.33$66.33$66.33
Total monthly$2,664.69$5,111.40$5,825.10
Cash to close$456,346$77,500$77,500