Loan Comparison: 3.57% vs 6.5%
18456 Bethany, Aurora, CO 80013 · 2bd/2ba · $399,500
List Price
$399,500
Assumable Rate
3.57%
Remaining Balance
$206,186
Equity Gap
$193,313
Loan Type
VAAdjust Your Scenario
$19,975
$19,975$193,313
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.57% (VA)
Blended Rate: 5.82%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,399/moAssumable @ 3.57% + gap loan
$2,267/moAssumed loan: $934/mo
Gap financing: $1,333/mo
$132less per month with the assumable
Your Savings on This Property
18456 Bethany, Aurora · 3.57% VA vs 6.5% conventional
$132
per month
$1,585
per year
$47,554
over 30 years
$47,553
interest saved
How gap financing works: The equity gap ($193,313) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($19,975, 5% of purchase price) and a second mortgage for the rest ($173,338 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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