Loan Comparison: 2.84% vs 6.5%
4852 Pagosa Way, Aurora, CO 80015 · 3bd/3ba · $419,900
List Price
$419,900
Assumable Rate
2.84%
Remaining Balance
$277,394
Equity Gap
$142,506
Loan Type
VAAdjust Your Scenario
$20,995
$20,995$142,506
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.84% (VA)
Blended Rate: 4.26%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,521/moAssumable @ 2.84% + gap loan
$1,995/moAssumed loan: $1,146/mo
Gap financing: $850/mo
$526less per month with the assumable
Your Savings on This Property
4852 Pagosa Way, Aurora · 2.84% VA vs 6.5% conventional
$526
per month
$6,312
per year
$189,369
over 30 years
$189,369
interest saved
How gap financing works: The equity gap ($142,506) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($20,995, 5% of purchase price) and a second mortgage for the rest ($121,511 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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