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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$405,485$405,485$494,910
Remaining term (yrs)24.824.830.0
Secondary amount$0$89,425$0
Funding fee$2,027$2,027$0
Note rate2.78%2.78%7.18%
Blended rate2.78%3.904%7.42%
1st payment$1,881.13$1,881.13$3,352.69
2nd payment$0.00$670.69$0.00
Taxes / mo$171.17$171.17$171.17
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$98.98
HOA / mo$0.00$0.00$0.00
Total monthly$2,218.96$2,889.65$3,789.51
Cash to close$144,415$54,990$54,990