Loan Comparison: 6.54% vs 6.5%
3198 Nepal Way, Aurora, CO 80013 · 3bd/3ba · $750,000
List Price
$750,000
Assumable Rate
6.54%
Remaining Balance
$688,002
Equity Gap
$61,998
Loan Type
VAAdjust Your Scenario
$37,500
$37,500$61,998
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 6.54% (VA)
Blended Rate: 6.57%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,503/moAssumable @ 6.54% + gap loan
$4,538/moAssumed loan: $4,367/mo
Gap financing: $171/mo
Your Savings on This Property
3198 Nepal Way, Aurora · 6.54% 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 ($61,998) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($37,500, 5% of purchase price) and a second mortgage for the rest ($24,498 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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