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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$405,949$405,949$697,410
Remaining term (yrs)17.017.030.0
Secondary amount$0$291,461$0
Funding fee$2,030$2,030$0
Note rate5.02%5.02%7.11%
Blended rate5.02%6.161%7.35%
1st payment$2,944.08$2,944.08$4,691.52
2nd payment$0.00$1,882.35$0.00
Taxes / mo$836.00$836.00$836.00
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$139.48
HOA / mo$166.67$166.67$166.67
Total monthly$4,163.42$6,045.77$6,050.34
Cash to close$368,951$77,490$77,490