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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$512,297$512,297$526,500
Remaining term (yrs)26.226.230.0
Secondary amount$0$43,453$0
Funding fee$2,561$2,561$0
Note rate6.33%6.33%7.18%
Blended rate6.33%6.764%7.42%
1st payment$3,334.86$3,334.86$3,566.69
2nd payment$0.00$430.00$0.00
Taxes / mo$533.83$533.83$533.83
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$105.30
HOA / mo$0.00$0.00$0.00
Total monthly$4,035.36$4,465.36$4,372.49
Cash to close$72,703$29,250$58,500