Loan Comparison: 2.78% vs 6.5%
10727 Addison Court, Highlands Ranch, CO 80126 · 2bd/3ba · $899,900
List Price
$899,900
Assumable Rate
2.78%
Remaining Balance
$528,440
Equity Gap
$371,459
Loan Type
VAAdjust Your Scenario
$44,995
$44,995$371,459
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.78% (VA)
Blended Rate: 4.58%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,404/moAssumable @ 2.78% + gap loan
$4,448/moAssumed loan: $2,166/mo
Gap financing: $2,283/mo
$955less per month with the assumable
Your Savings on This Property
10727 Addison Court, Highlands Ranch · 2.78% VA vs 6.5% conventional
$955
per month
$11,462
per year
$343,865
over 30 years
$343,864
interest saved
How gap financing works: The equity gap ($371,459) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($44,995, 5% of purchase price) and a second mortgage for the rest ($326,464 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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