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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$426,155$426,155$539,910
Remaining term (yrs)26.526.530.0
Secondary amount$0$113,755$0
Funding fee$2,131$2,131$0
Note rate6.67%6.67%7.18%
Blended rate6.67%6.95%7.42%
1st payment$2,852.83$2,852.83$3,657.54
2nd payment$0.00$758.37$0.00
Taxes / mo$497.50$497.50$497.50
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$107.98
HOA / mo$0.00$0.00$0.00
Total monthly$3,516.99$4,275.36$4,429.69
Cash to close$173,745$59,990$59,990