Loan Comparison: 2.73% vs 6.5%
6063 Tempe Way, Aurora, CO 80015 · 5bd/5ba · $574,900
List Price
$574,900
Assumable Rate
2.73%
Remaining Balance
$137,274
Equity Gap
$437,625
Loan Type
VAAdjust Your Scenario
$28,745
$28,745$437,625
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.73% (VA)
Blended Rate: 6.30%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,452/moAssumable @ 2.73% + gap loan
$3,418/moAssumed loan: $559/mo
Gap financing: $2,859/mo
$34less per month with the assumable
Your Savings on This Property
6063 Tempe Way, Aurora · 2.73% VA vs 6.5% conventional
$34
per month
$410
per year
$12,300
over 30 years
$12,299
interest saved
How gap financing works: The equity gap ($437,625) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($28,745, 5% of purchase price) and a second mortgage for the rest ($408,880 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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