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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$390,326$390,326$585,000
Remaining term (yrs)23.923.930.0
Secondary amount$0$194,674$0
Funding fee$1,952$1,952$0
Note rate3.03%3.03%7.18%
Blended rate3.03%4.684%7.42%
1st payment$1,908.93$1,908.93$3,962.99
2nd payment$0.00$1,297.82$0.00
Taxes / mo$498.08$498.08$498.08
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$117.00
HOA / mo$20.83$20.83$20.83
Total monthly$2,594.51$3,892.33$4,765.57
Cash to close$259,674$65,000$65,000