Loan Comparison: 5.41% vs 6.5%
17886 107th, Commerce City, CO 80022 · 5bd/4ba · $530,000
List Price
$530,000
Assumable Rate
5.41%
Remaining Balance
$491,342
Equity Gap
$38,658
Loan Type
VAAdjust Your Scenario
$26,500
$26,500$38,658
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.41% (VA)
Blended Rate: 5.48%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,182/moAssumable @ 5.41% + gap loan
$2,856/moAssumed loan: $2,762/mo
Gap financing: $93/mo
$327less per month with the assumable
Your Savings on This Property
17886 107th, Commerce City · 5.41% VA vs 6.5% conventional
$327
per month
$3,922
per year
$117,674
over 30 years
$117,674
interest saved
How gap financing works: The equity gap ($38,658) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($26,500, 5% of purchase price) and a second mortgage for the rest ($12,158 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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