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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$467,982$467,982$517,500
Remaining term (yrs)27.427.430.0
Secondary amount$0$49,518$0
Funding fee$2,340$2,340$0
Note rate6.88%6.88%7.18%
Blended rate6.88%7.083%7.42%
1st payment$3,162.49$3,162.49$3,505.73
2nd payment$0.00$371.39$0.00
Taxes / mo$696.33$696.33$696.33
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$103.50
HOA / mo$0.00$0.00$0.00
Total monthly$4,025.49$4,396.87$4,472.23
Cash to close$107,018$57,500$57,500