Loan Comparison: 2.74% vs 6.5%
4572 Crystal Way, Aurora, CO 80015 · 2bd/2ba · $290,000
List Price
$290,000
Assumable Rate
2.74%
Remaining Balance
$269,009
Equity Gap
$20,991
Loan Type
VAAdjust Your Scenario
$14,500
$14,500$20,991
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.74% (VA)
Blended Rate: 2.85%
Monthly Payment Comparison
New Conventional @ 6.5%
$1,741/moAssumable @ 2.74% + gap loan
$1,142/moAssumed loan: $1,097/mo
Gap financing: $45/mo
$599less per month with the assumable
Your Savings on This Property
4572 Crystal Way, Aurora · 2.74% VA vs 6.5% conventional
$599
per month
$7,190
per year
$215,705
over 30 years
$215,705
interest saved
How gap financing works: The equity gap ($20,991) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($14,500, 5% of purchase price) and a second mortgage for the rest ($6,491 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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