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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$308,046$308,046$585,000
Remaining term (yrs)18.718.730.0
Secondary amount$0$276,954$0
Funding fee$1,540$1,540$0
Note rate2.69%2.69%7.11%
Blended rate2.69%5.086%7.35%
1st payment$1,738.83$1,738.83$3,935.33
2nd payment$0.00$1,788.66$0.00
Taxes / mo$620.00$620.00$620.00
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$117.00
HOA / mo$335.00$335.00$335.00
Total monthly$2,860.50$4,649.16$5,174.00
Cash to close$341,954$65,000$65,000