Loan Comparison: 6.5% vs 6.5%
8658 Windy Street, Arvada, CO 80007 · 1bd/1ba · $865,000
List Price
$865,000
Assumable Rate
6.5%
Remaining Balance
$772,545
Equity Gap
$92,455
Loan Type
VAAdjust Your Scenario
$43,250
$43,250$92,455
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 6.5% (VA)
Blended Rate: 6.56%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,194/moAssumable @ 6.5% + gap loan
$5,227/moAssumed loan: $4,883/mo
Gap financing: $344/mo
Your Savings on This Property
8658 Windy Street, Arvada · 6.5% 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 ($92,455) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($43,250, 5% of purchase price) and a second mortgage for the rest ($49,205 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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