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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$463,576$463,576$530,100
Remaining term (yrs)25.525.530.0
Secondary amount$0$66,524$0
Funding fee$2,318$2,318$0
Note rate4.38%4.38%7.11%
Blended rate4.38%4.96%7.35%
1st payment$2,508.89$2,508.89$3,566.02
2nd payment$0.00$498.93$0.00
Taxes / mo$623.08$623.08$623.08
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$106.02
HOA / mo$0.00$0.00$0.00
Total monthly$3,298.64$3,797.57$4,461.79
Cash to close$125,424$58,900$58,900