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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$688,943$688,943$719,910
Remaining term (yrs)28.728.730.0
Secondary amount$0$30,967$0
Funding fee$3,445$3,445$0
Note rate6.85%6.85%7.11%
Blended rate6.85%6.942%7.35%
1st payment$4,570.43$4,570.43$4,842.88
2nd payment$0.00$232.25$0.00
Taxes / mo$386.50$386.50$386.50
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$143.98
HOA / mo$0.00$0.00$0.00
Total monthly$5,173.60$5,405.85$5,590.03
Cash to close$110,957$79,990$79,990