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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$0$0$485,991
Remaining term (yrs)——30.0
Secondary amount$0$485,991$0
Funding fee$0$0$0
Note rate4.875%4.875%7.18%
Blended rate4.875%7.75%7.42%
1st payment$0.00$0.00$3,292.27
2nd payment$0.00$3,138.69$0.00
Taxes / mo$40.50$40.50$40.50
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$97.20
HOA / mo$220.00$220.00$220.00
Total monthly$427.17$3,565.86$3,816.64
Cash to close$539,990$53,999$53,999