Loan Comparison: 3.54% vs 6.5%
1237 Carlyle Park, Highlands Ranch, CO 80129 · 2bd/2ba · $365,000
List Price
$365,000
Assumable Rate
3.54%
Remaining Balance
$119,489
Equity Gap
$244,259
Loan Type
VAAdjust Your Scenario
$18,250
$18,250$244,259
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.54% (VA)
Blended Rate: 6.78%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,192/moAssumable @ 3.54% + gap loan
$2,277/moAssumed loan: $539/mo
Gap financing: $1,738/mo
Your Savings on This Property
1237 Carlyle Park, Highlands Ranch · 3.54% 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 ($244,259) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($18,250, 5% of purchase price) and a second mortgage for the rest ($226,009 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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