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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$568,570$568,570$585,000
Remaining term (yrs)27.727.730.0
Secondary amount$0$48,930$0
Funding fee$2,843$2,843$0
Note rate7.06%7.06%7.11%
Blended rate7.06%7.442%7.35%
1st payment$3,893.99$3,893.99$3,935.33
2nd payment$0.00$484.20$0.00
Taxes / mo$315.25$315.25$315.25
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$117.00
HOA / mo$0.00$0.00$0.00
Total monthly$4,375.90$4,860.10$4,534.25
Cash to close$81,430$32,500$65,000