Loan Comparison: 4.92% vs 6.5%
9577 High Cliffe Street, Highlands Ranch, CO 80129 · 2bd/3ba · $700,000
List Price
$700,000
Assumable Rate
4.92%
Remaining Balance
$617,339
Equity Gap
$82,660
Loan Type
VAAdjust Your Scenario
$35,000
$35,000$82,660
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.92% (VA)
Blended Rate: 5.10%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,203/moAssumable @ 4.92% + gap loan
$3,617/moAssumed loan: $3,284/mo
Gap financing: $333/mo
$586less per month with the assumable
Your Savings on This Property
9577 High Cliffe Street, Highlands Ranch · 4.92% VA vs 6.5% conventional
$586
per month
$7,033
per year
$211,001
over 30 years
$211,000
interest saved
How gap financing works: The equity gap ($82,660) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($35,000, 5% of purchase price) and a second mortgage for the rest ($47,660 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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