Loan Comparison: 4.48% vs 6.5%
10456 Carriage Club Drive, Lone Tree, CO 80124 · 3bd/2ba · $1,300,000
List Price
$1,300,000
Assumable Rate
4.48%
Remaining Balance
$1,220,584
Equity Gap
$79,415
Loan Type
VAAdjust Your Scenario
$65,000
$65,000$79,415
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.48% (VA)
Blended Rate: 4.52%
Monthly Payment Comparison
New Conventional @ 6.5%
$7,806/moAssumable @ 4.48% + gap loan
$6,271/moAssumed loan: $6,170/mo
Gap financing: $101/mo
$1,535less per month with the assumable
Your Savings on This Property
10456 Carriage Club Drive, Lone Tree · 4.48% VA vs 6.5% conventional
$1,535
per month
$18,423
per year
$552,681
over 30 years
$552,680
interest saved
How gap financing works: The equity gap ($79,415) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($65,000, 5% of purchase price) and a second mortgage for the rest ($14,415 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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