Loan Comparison: 3.08% vs 6.5%
1571 Roseanna, Northglenn, CO 80234 · 3bd/3ba · $424,900
List Price
$424,900
Assumable Rate
3.08%
Remaining Balance
$303,390
Equity Gap
$121,510
Loan Type
VAAdjust Your Scenario
$21,245
$21,245$121,510
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.08% (VA)
Blended Rate: 4.43%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,551/moAssumable @ 3.08% + gap loan
$2,063/moAssumed loan: $1,292/mo
Gap financing: $771/mo
$488less per month with the assumable
Your Savings on This Property
1571 Roseanna, Northglenn · 3.08% VA vs 6.5% conventional
$488
per month
$5,858
per year
$175,749
over 30 years
$175,749
interest saved
How gap financing works: The equity gap ($121,510) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($21,245, 5% of purchase price) and a second mortgage for the rest ($100,265 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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