Loan Comparison: 3.55% vs 6.5%
21050 Acadia Drive, Parker, CO 80138 · 4bd/2ba · $649,900
List Price
$649,900
Assumable Rate
3.55%
Remaining Balance
$246,007
Equity Gap
$403,893
Loan Type
VAAdjust Your Scenario
$32,495
$32,495$403,893
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.55% (VA)
Blended Rate: 5.93%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,902/moAssumable @ 3.55% + gap loan
$3,708/moAssumed loan: $1,112/mo
Gap financing: $2,597/mo
$194less per month with the assumable
Your Savings on This Property
21050 Acadia Drive, Parker · 3.55% VA vs 6.5% conventional
$194
per month
$2,328
per year
$69,837
over 30 years
$69,837
interest saved
How gap financing works: The equity gap ($403,893) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($32,495, 5% of purchase price) and a second mortgage for the rest ($371,398 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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