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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$647,987$647,987$652,500
Remaining term (yrs)27.627.630.0
Secondary amount$0$40,763$0
Funding fee$3,240$3,240$0
Note rate7.17%7.17%7.18%
Blended rate7.17%7.448%7.42%
1st payment$4,493.51$4,493.51$4,420.26
2nd payment$0.00$403.38$0.00
Taxes / mo$647.75$647.75$647.75
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$130.50
HOA / mo$0.00$0.00$0.00
Total monthly$5,357.92$5,761.30$5,415.18
Cash to close$77,013$36,250$72,500