Loan Comparison: 6.5% vs 6.5%
16 Sutherland Court, Highlands Ranch, CO 80130 · 3bd/2ba · $549,900
List Price
$549,900
Assumable Rate
6.5%
Remaining Balance
$233,963
Equity Gap
$315,937
Loan Type
VAAdjust Your Scenario
$27,495
$27,495$315,937
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 6.5% (VA)
Blended Rate: 7.05%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,302/moAssumable @ 6.5% + gap loan
$3,496/moAssumed loan: $1,479/mo
Gap financing: $2,017/mo
Your Savings on This Property
16 Sutherland Court, Highlands Ranch · 6.5% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($315,937) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($27,495, 5% of purchase price) and a second mortgage for the rest ($288,442 at 7.5%). Even with two payments, the blended cost is typically much lower than a new conventional loan. We work with lenders who specialize in assumption gap financing.
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