Loan Comparison: 3.69% vs 6.5%
3071 Fox Sedge Lane, Highlands Ranch, CO 80126 · 4bd/4ba · $825,000
List Price
$825,000
Assumable Rate
3.69%
Remaining Balance
$368,431
Equity Gap
$456,568
Loan Type
VAAdjust Your Scenario
$41,250
$41,250$456,568
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.69% (VA)
Blended Rate: 5.71%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,954/moAssumable @ 3.69% + gap loan
$4,598/moAssumed loan: $1,694/mo
Gap financing: $2,904/mo
$356less per month with the assumable
Your Savings on This Property
3071 Fox Sedge Lane, Highlands Ranch · 3.69% VA vs 6.5% conventional
$356
per month
$4,274
per year
$128,206
over 30 years
$128,205
interest saved
How gap financing works: The equity gap ($456,568) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($41,250, 5% of purchase price) and a second mortgage for the rest ($415,318 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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