Loan Comparison: 3.55% vs 6.5%
19125 66th, Denver, CO 80249 · 3bd/3ba · $530,000
List Price
$530,000
Assumable Rate
3.55%
Remaining Balance
$461,985
Equity Gap
$68,015
Loan Type
VAAdjust Your Scenario
$26,500
$26,500$68,015
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.55% (VA)
Blended Rate: 3.96%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,182/moAssumable @ 3.55% + gap loan
$2,407/moAssumed loan: $2,087/mo
Gap financing: $319/mo
$776less per month with the assumable
Your Savings on This Property
19125 66th, Denver · 3.55% VA vs 6.5% conventional
$776
per month
$9,310
per year
$279,293
over 30 years
$279,293
interest saved
How gap financing works: The equity gap ($68,015) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($26,500, 5% of purchase price) and a second mortgage for the rest ($41,515 at 8.5%). 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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