Loan Comparison: 4.05% vs 6.5%
25064 Archer Place, Aurora, CO 80018 · 5bd/1ba · $745,000
List Price
$745,000
Assumable Rate
4.05%
Remaining Balance
$300,731
Equity Gap
$444,269
Loan Type
VAAdjust Your Scenario
$37,250
$37,250$444,269
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.05% (VA)
Blended Rate: 6.03%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,473/moAssumable @ 4.05% + gap loan
$4,290/moAssumed loan: $1,444/mo
Gap financing: $2,846/mo
$183less per month with the assumable
Your Savings on This Property
25064 Archer Place, Aurora · 4.05% VA vs 6.5% conventional
$183
per month
$2,197
per year
$65,919
over 30 years
$65,919
interest saved
How gap financing works: The equity gap ($444,269) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($37,250, 5% of purchase price) and a second mortgage for the rest ($407,019 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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