Loan Comparison: 2.52% vs 6.5%
19706 58th, Aurora, CO 80019 · 3bd/3ba · $435,000
List Price
$435,000
Assumable Rate
2.52%
Remaining Balance
$338,328
Equity Gap
$96,672
Loan Type
VAAdjust Your Scenario
$21,750
$21,750$96,672
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.52% (VA)
Blended Rate: 3.60%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,612/moAssumable @ 2.52% + gap loan
$1,916/moAssumed loan: $1,340/mo
Gap financing: $576/mo
$696less per month with the assumable
Your Savings on This Property
19706 58th, Aurora · 2.52% VA vs 6.5% conventional
$696
per month
$8,347
per year
$250,420
over 30 years
$250,420
interest saved
How gap financing works: The equity gap ($96,672) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($21,750, 5% of purchase price) and a second mortgage for the rest ($74,922 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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