Loan Comparison: 6.16% vs 6.5%
3443 Antelope Ridge Trail, Parker, CO 80138 · 3bd/3ba · $1,599,000
List Price
$1,599,000
Assumable Rate
6.16%
Remaining Balance
$1,306,173
Equity Gap
$292,826
Loan Type
VAAdjust Your Scenario
$79,950
$79,950$292,826
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 6.16% (VA)
Blended Rate: 6.35%
Monthly Payment Comparison
New Conventional @ 6.5%
$9,601/moAssumable @ 6.16% + gap loan
$9,454/moAssumed loan: $7,966/mo
Gap financing: $1,488/mo
$147less per month with the assumable
Your Savings on This Property
3443 Antelope Ridge Trail, Parker · 6.16% VA vs 6.5% conventional
$147
per month
$1,763
per year
$52,897
over 30 years
$52,896
interest saved
How gap financing works: The equity gap ($292,826) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($79,950, 5% of purchase price) and a second mortgage for the rest ($212,876 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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