Loan Comparison: 3.55% vs 6.5%
19125 66th, Denver, CO 80249 · 3bd/3ba · $524,900
List Price
$524,900
Assumable Rate
3.55%
Remaining Balance
$461,082
Equity Gap
$61,117
Loan Type
VAAdjust Your Scenario
$26,245
$26,245$61,117
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.55% (VA)
Blended Rate: 3.90%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,152/moAssumable @ 3.55% + gap loan
$2,351/moAssumed loan: $2,083/mo
Gap financing: $268/mo
$800less per month with the assumable
Your Savings on This Property
19125 66th, Denver · 3.55% VA vs 6.5% conventional
$800
per month
$9,604
per year
$288,126
over 30 years
$285,425
interest saved
How gap financing works: The equity gap ($61,117) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($26,245, 5% of purchase price) and a second mortgage for the rest ($34,872 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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