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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$603,120$603,120$1,305,000
Remaining term (yrs)24.924.930.0
Secondary amount$0$701,880$0
Funding fee$3,016$3,016$0
Note rate2.87%2.87%7.11%
Blended rate2.87%5.495%7.35%
1st payment$2,819.45$2,819.45$8,778.82
2nd payment$0.00$4,532.97$0.00
Taxes / mo$1,129.33$1,129.33$1,129.33
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$261.00
HOA / mo$100.00$100.00$100.00
Total monthly$4,265.45$8,798.42$10,485.82
Cash to close$846,880$145,000$145,000