Loan Comparison: 3.61% vs 6.5%
411 Xavier, Brighton, CO 80603 · 3bd/2ba · $434,900
List Price
$434,900
Assumable Rate
3.61%
Remaining Balance
$178,204
Equity Gap
$256,201
Loan Type
VAAdjust Your Scenario
$21,745
$21,745$256,201
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.61% (VA)
Blended Rate: 6.39%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,611/moAssumable @ 3.61% + gap loan
$2,614/moAssumed loan: $811/mo
Gap financing: $1,803/mo
Your Savings on This Property
411 Xavier, Brighton · 3.61% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($256,201) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($21,745, 5% of purchase price) and a second mortgage for the rest ($234,456 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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