Loan Comparison: 2.83% vs 6.5%
4880 Crescent Moon, Parker, CO 80134 · 5bd/4ba · $1,350,000
List Price
$1,350,000
Assumable Rate
2.83%
Remaining Balance
$885,886
Equity Gap
$464,113
Loan Type
VAAdjust Your Scenario
$67,500
$67,500$464,113
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.83% (VA)
Blended Rate: 4.58%
Monthly Payment Comparison
New Conventional @ 6.5%
$8,106/moAssumable @ 2.83% + gap loan
$6,704/moAssumed loan: $3,654/mo
Gap financing: $3,050/mo
$1,402less per month with the assumable
Your Savings on This Property
4880 Crescent Moon, Parker · 2.83% VA vs 6.5% conventional
$1,402
per month
$16,830
per year
$504,886
over 30 years
$504,885
interest saved
How gap financing works: The equity gap ($464,113) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($67,500, 5% of purchase price) and a second mortgage for the rest ($396,613 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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