Loan Comparison: 5.13% vs 6.5%
7525 82nd Avenue, Commerce City, CO 80022 · 4bd/4ba · $424,999
List Price
$424,999
Assumable Rate
5.13%
Remaining Balance
$399,111
Equity Gap
$25,887
Loan Type
VAAdjust Your Scenario
$21,250
$21,250$25,887
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.13% (VA)
Blended Rate: 5.16%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,552/moAssumable @ 5.13% + gap loan
$2,207/moAssumed loan: $2,174/mo
Gap financing: $32/mo
$345less per month with the assumable
Your Savings on This Property
7525 82nd Avenue, Commerce City · 5.13% VA vs 6.5% conventional
$345
per month
$4,143
per year
$124,276
over 30 years
$124,275
interest saved
How gap financing works: The equity gap ($25,887) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($21,250, 5% of purchase price) and a second mortgage for the rest ($4,637 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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