Loan Comparison: 2.98% vs 6.5%
9185 Wilde, Parker, CO 80134 · 2bd/2ba · $380,000
List Price
$380,000
Assumable Rate
2.98%
Remaining Balance
$288,199
Equity Gap
$91,800
Loan Type
VAAdjust Your Scenario
$19,000
$19,000$91,800
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.98% (VA)
Blended Rate: 4.09%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,282/moAssumable @ 2.98% + gap loan
$1,772/moAssumed loan: $1,212/mo
Gap financing: $560/mo
$510less per month with the assumable
Your Savings on This Property
9185 Wilde, Parker · 2.98% VA vs 6.5% conventional
$510
per month
$6,121
per year
$183,616
over 30 years
$183,615
interest saved
How gap financing works: The equity gap ($91,800) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($19,000, 5% of purchase price) and a second mortgage for the rest ($72,800 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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