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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$543,734$543,734$1,394,100
Remaining term (yrs)23.023.030.0
Secondary amount$0$850,366$0
Funding fee$2,719$2,719$0
Note rate3.78%3.78%7.18%
Blended rate3.78%6.202%7.42%
1st payment$2,938.57$2,938.57$9,444.12
2nd payment$0.00$5,491.94$0.00
Taxes / mo$727.92$727.92$727.92
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$278.82
HOA / mo$2.50$2.50$2.50
Total monthly$3,885.65$9,377.60$10,670.02
Cash to close$1,005,266$154,900$154,900