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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$539,731$539,731$702,000
Remaining term (yrs)25.325.330.0
Secondary amount$0$162,269$0
Funding fee$2,699$2,699$0
Note rate3.56%3.56%7.11%
Blended rate3.56%4.586%7.35%
1st payment$2,691.78$2,691.78$4,722.40
2nd payment$0.00$1,081.79$0.00
Taxes / mo$298.17$298.17$298.17
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$140.40
HOA / mo$0.00$0.00$0.00
Total monthly$3,206.62$4,288.41$5,377.63
Cash to close$240,269$78,000$78,000