Loan Comparison: 2.25% vs 6.5%
5172 Sydney Avenue, Highlands Ranch, CO 80130 · 4bd/4ba · $599,000
List Price
$599,000
Assumable Rate
2.25%
Remaining Balance
$353,288
Equity Gap
$245,712
Loan Type
VAAdjust Your Scenario
$29,950
$29,950$245,712
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.25% (VA)
Blended Rate: 4.24%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,597/moAssumable @ 2.25% + gap loan
$2,859/moAssumed loan: $1,350/mo
Gap financing: $1,509/mo
$738less per month with the assumable
Your Savings on This Property
5172 Sydney Avenue, Highlands Ranch · 2.25% VA vs 6.5% conventional
$738
per month
$8,853
per year
$265,577
over 30 years
$265,577
interest saved
How gap financing works: The equity gap ($245,712) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($29,950, 5% of purchase price) and a second mortgage for the rest ($215,762 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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