Loan Comparison: 4.48% vs 6.5%
3444 Navajo, Denver, CO 80211 · 3bd/4ba · $1,035,000
List Price
$1,035,000
Assumable Rate
4.48%
Remaining Balance
$973,889
Equity Gap
$61,111
Loan Type
VAAdjust Your Scenario
$51,750
$51,750$61,111
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.48% (VA)
Blended Rate: 4.52%
Monthly Payment Comparison
New Conventional @ 6.5%
$6,215/moAssumable @ 4.48% + gap loan
$4,995/moAssumed loan: $4,923/mo
Gap financing: $72/mo
$1,220less per month with the assumable
Your Savings on This Property
3444 Navajo, Denver · 4.48% VA vs 6.5% conventional
$1,220
per month
$14,638
per year
$439,144
over 30 years
$439,144
interest saved
How gap financing works: The equity gap ($61,111) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($51,750, 5% of purchase price) and a second mortgage for the rest ($9,361 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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