Loan Comparison: 4.17% vs 6.5%
17414 Trefoil Lane, Parker, CO 80134 · 5bd/4ba · $679,000
List Price
$679,000
Assumable Rate
4.17%
Remaining Balance
$513,321
Equity Gap
$165,679
Loan Type
VAAdjust Your Scenario
$33,950
$33,950$165,679
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.17% (VA)
Blended Rate: 4.85%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,077/moAssumable @ 4.17% + gap loan
$3,422/moAssumed loan: $2,501/mo
Gap financing: $921/mo
$655less per month with the assumable
Your Savings on This Property
17414 Trefoil Lane, Parker · 4.17% VA vs 6.5% conventional
$655
per month
$7,858
per year
$235,742
over 30 years
$235,742
interest saved
How gap financing works: The equity gap ($165,679) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($33,950, 5% of purchase price) and a second mortgage for the rest ($131,729 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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