Carl Perera | The Fly Agent

Carl Perera

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	$137,489	$137,489	$332,910
Remaining term (yrs)	19.3	19.3	30.0
Secondary amount	$0	$195,421	$0
Funding fee	$687	$687	$0
Note rate	3.810%	3.810%	7.320%
Blended rate	3.810%	6.270%	7.560%
1st payment	$833.50	$833.50	$2,286.86
2nd payment	$0.00	$1,302.81	$0.00
Taxes / mo	$88.42	$88.42	$88.42
Insurance / mo	$150.00	$150.00	$150.00
MI / mo	$0.00	$0.00	$66.58
HOA / mo	$0.00	$0.00	$0.00
Total monthly	$1,071.91	$2,374.72	$2,591.86
Cash to close	$232,411	$36,990	$36,990