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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$507,891$507,891$1,687,500
Remaining term (yrs)19.019.030.0
Secondary amount$0$1,179,609$0
Funding fee$2,539$2,539$0
Note rate2.86%2.86%7.18%
Blended rate2.86%6.278%7.42%
1st payment$2,880.46$2,880.46$11,431.71
2nd payment$0.00$7,618.31$0.00
Taxes / mo$678.42$678.42$678.42
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$337.50
HOA / mo$0.00$0.00$0.00
Total monthly$3,775.55$11,393.85$12,664.30
Cash to close$1,367,109$187,500$187,500