Dan Frey Home Loans
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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$256,228$256,228$296,100
Remaining term (yrs)26.926.930.0
Secondary amount$0$39,872$0
Funding fee$1,281$1,281$0
Note rate6.780%6.780%7.320%
Blended rate6.780%7.079%7.560%
1st payment$1,725.79$1,725.79$2,034.00
2nd payment$0.00$299.04$0.00
Taxes / mo$373.50$373.50$373.50
Insurance / mo$150.00$150.00$150.00
MI / mo$0.00$0.00$59.22
HOA / mo$214.00$214.00$214.00
Total monthly$2,463.29$2,762.33$2,830.72
Cash to close$72,772$32,900$32,900