Loan Comparison: 3.61% vs 6.5%
26421 Moraine, Aurora, CO 80016 · 4bd/3ba · $699,900
List Price
$699,900
Assumable Rate
3.61%
Remaining Balance
$404,594
Equity Gap
$346,987
Loan Type
VAAdjust Your Scenario
$34,995
$34,995$346,987
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.61% (VA)
Blended Rate: 5.74%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,203/moAssumable @ 3.61% + gap loan
$4,241/moAssumed loan: $1,842/mo
Gap financing: $2,399/mo
Your Savings on This Property
26421 Moraine, Aurora · 3.61% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$37,987
interest saved
How gap financing works: The equity gap ($346,987) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($34,995, 5% of purchase price) and a second mortgage for the rest ($311,992 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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