Loan Comparison: 3.54% vs 6.5%
1237 Carlyle Park Circle, Highlands Ranch, CO 80129 · 2bd/2ba · $355,000
List Price
$355,000
Assumable Rate
3.54%
Remaining Balance
$118,227
Equity Gap
$236,773
Loan Type
VAAdjust Your Scenario
$17,750
$17,750$236,773
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.54% (VA)
Blended Rate: 6.11%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,132/moAssumable @ 3.54% + gap loan
$2,065/moAssumed loan: $534/mo
Gap financing: $1,531/mo
$67less per month with the assumable
Your Savings on This Property
1237 Carlyle Park Circle, Highlands Ranch · 3.54% VA vs 6.5% conventional
$67
per month
$800
per year
$24,002
over 30 years
$24,002
interest saved
How gap financing works: The equity gap ($236,773) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($17,750, 5% of purchase price) and a second mortgage for the rest ($219,023 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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