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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$157,568$157,568$486,000
Remaining term (yrs)8.38.330.0
Secondary amount$0$328,432$0
Funding fee$788$788$0
Note rate2.62%2.62%7.18%
Blended rate2.62%6.087%7.42%
1st payment$1,740.11$1,740.11$3,292.33
2nd payment$0.00$2,121.12$0.00
Taxes / mo$612.08$612.08$612.08
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$97.20
HOA / mo$0.00$0.00$0.00
Total monthly$2,518.86$4,639.98$4,168.28
Cash to close$382,432$54,000$54,000