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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$557,604$557,604$900,000
Remaining term (yrs)29.129.130.0
Secondary amount$0$342,396$0
Funding fee$2,788$2,788$0
Note rate6.26%6.26%7.11%
Blended rate6.26%6.827%7.35%
1st payment$3,467.07$3,467.07$6,054.36
2nd payment$0.00$2,211.30$0.00
Taxes / mo$857.17$857.17$857.17
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$180.00
HOA / mo$0.00$0.00$0.00
Total monthly$4,540.90$6,752.21$7,308.19
Cash to close$442,396$100,000$100,000