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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$510,351$510,351$508,500
Remaining term (yrs)25.625.630.0
Secondary amount$0$26,399$0
Funding fee$2,552$2,552$0
Note rate4.98%4.98%7.18%
Blended rate4.98%5.319%7.42%
1st payment$2,938.65$2,938.65$3,444.76
2nd payment$0.00$261.24$0.00
Taxes / mo$489.50$489.50$489.50
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$101.70
HOA / mo$74.00$74.00$74.00
Total monthly$3,668.82$3,930.06$4,276.62
Cash to close$54,649$28,250$56,500