Loan Comparison: 5.3% vs 6.5%
14201 91st, Arvada, CO 80005 · 5bd/4ba · $1,095,000
List Price
$1,095,000
Assumable Rate
5.3%
Remaining Balance
$990,742
Equity Gap
$104,257
Loan Type
VAAdjust Your Scenario
$54,750
$54,750$104,257
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.3% (VA)
Blended Rate: 5.45%
Monthly Payment Comparison
New Conventional @ 6.5%
$6,575/moAssumable @ 5.3% + gap loan
$5,882/moAssumed loan: $5,502/mo
Gap financing: $381/mo
$693less per month with the assumable
Your Savings on This Property
14201 91st, Arvada · 5.3% VA vs 6.5% conventional
$693
per month
$8,313
per year
$249,403
over 30 years
$249,402
interest saved
How gap financing works: The equity gap ($104,257) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($54,750, 5% of purchase price) and a second mortgage for the rest ($49,507 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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