Loan Comparison: 3.62% vs 6.5%
9325 Lowell, Westminster, CO 80031 · 4bd/3ba · $499,999
List Price
$499,999
Assumable Rate
3.62%
Remaining Balance
$271,266
Equity Gap
$228,144
Loan Type
VAAdjust Your Scenario
$25,000
$25,000$228,144
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.62% (VA)
Blended Rate: 5.71%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,002/moAssumable @ 3.62% + gap loan
$2,798/moAssumed loan: $1,236/mo
Gap financing: $1,562/mo
$204less per month with the assumable
Your Savings on This Property
9325 Lowell, Westminster · 3.62% VA vs 6.5% conventional
$204
per month
$2,448
per year
$73,428
over 30 years
$72,839
interest saved
How gap financing works: The equity gap ($228,144) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($25,000, 5% of purchase price) and a second mortgage for the rest ($203,144 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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