Loan Comparison: 2.83% vs 6.5%

730 Tenderfoot, Larkspur, CO 80118 · 5bd/4ba · $999,000

List Price
$999,000
Assumable Rate
2.83%
Remaining Balance
$353,148
Equity Gap
$645,851
Loan Type
VA

Adjust Your Scenario

$49,950
$49,950$645,851
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.83% (VA)
Blended Rate: 6.39%

Monthly Payment Comparison

New Conventional @ 6.5%
$5,999/mo
Assumable @ 2.83% + gap loan
$6,039/mo
Assumed loan: $1,457/mo
Gap financing: $4,582/mo

Your Savings on This Property

730 Tenderfoot, Larkspur · 2.83% VA vs 6.5% conventional

$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($645,851) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($49,950, 5% of purchase price) and a second mortgage for the rest ($595,901 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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