Loan Comparison: 3.13% vs 6.5%
4761 Native Birch Lane, Castle Rock, CO 80108 · 5bd/6ba · $575,000
List Price
$575,000
Assumable Rate
3.13%
Remaining Balance
$346,215
Equity Gap
$228,785
Loan Type
VAAdjust Your Scenario
$28,750
$28,750$228,785
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.13% (VA)
Blended Rate: 4.73%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,453/moAssumable @ 3.13% + gap loan
$2,883/moAssumed loan: $1,484/mo
Gap financing: $1,399/mo
$570less per month with the assumable
Your Savings on This Property
4761 Native Birch Lane, Castle Rock · 3.13% VA vs 6.5% conventional
$570
per month
$6,839
per year
$205,184
over 30 years
$205,184
interest saved
How gap financing works: The equity gap ($228,785) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($28,750, 5% of purchase price) and a second mortgage for the rest ($200,035 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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