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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$597,571$597,571$809,910
Remaining term (yrs)24.924.930.0
Secondary amount$0$212,339$0
Funding fee$2,988$2,988$0
Note rate2.77%2.77%7.11%
Blended rate2.77%4.076%7.35%
1st payment$2,762.78$2,762.78$5,448.32
2nd payment$0.00$1,371.35$0.00
Taxes / mo$347.33$347.33$347.33
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$161.98
HOA / mo$0.00$0.00$0.00
Total monthly$3,326.78$4,698.14$6,174.30
Cash to close$302,329$89,990$89,990