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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$476,095$476,095$674,100
Remaining term (yrs)24.324.330.0
Secondary amount$0$198,005$0
Funding fee$2,380$2,380$0
Note rate2.66%2.66%7.18%
Blended rate2.66%4.229%7.42%
1st payment$2,211.03$2,211.03$4,566.59
2nd payment$0.00$1,320.04$0.00
Taxes / mo$729.75$729.75$729.75
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$134.82
HOA / mo$26.25$26.25$26.25
Total monthly$3,183.69$4,503.73$5,674.07
Cash to close$272,905$74,900$74,900