Loan Comparison: 3.08% vs 6.5%
1571 Roseanna, Northglenn, CO 80234 · 3bd/3ba · $429,900
List Price
$429,900
Assumable Rate
3.08%
Remaining Balance
$304,058
Equity Gap
$125,842
Loan Type
VAAdjust Your Scenario
$21,495
$21,495$125,842
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.08% (VA)
Blended Rate: 4.46%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,581/moAssumable @ 3.08% + gap loan
$2,097/moAssumed loan: $1,295/mo
Gap financing: $802/mo
$484less per month with the assumable
Your Savings on This Property
1571 Roseanna, Northglenn · 3.08% VA vs 6.5% conventional
$484
per month
$5,808
per year
$174,234
over 30 years
$174,234
interest saved
How gap financing works: The equity gap ($125,842) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($21,495, 5% of purchase price) and a second mortgage for the rest ($104,347 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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