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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$458,000$458,000$472,500
Remaining term (yrs)27.927.930.0
Secondary amount$0$40,750$0
Funding fee$2,290$2,290$0
Note rate7.1%7.1%7.11%
Blended rate7.1%7.49%7.35%
1st payment$3,142.83$3,142.83$3,178.54
2nd payment$0.00$403.26$0.00
Taxes / mo$508.58$508.58$508.58
Insurance / mo$166.67$166.67$166.67
MI / mo$0.00$0.00$94.50
HOA / mo$0.00$0.00$0.00
Total monthly$3,818.08$4,221.34$3,948.29
Cash to close$67,000$26,250$52,500