Loan Comparison: 3.7% vs 6.5%
7672 Saulsbury, Arvada, CO 80003 · 5bd/2ba · $575,000
List Price
$575,000
Assumable Rate
3.7%
Remaining Balance
$338,340
Equity Gap
$240,243
Loan Type
VAAdjust Your Scenario
$28,750
$28,750$240,243
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.7% (VA)
Blended Rate: 5.55%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,453/moAssumable @ 3.7% + gap loan
$3,184/moAssumed loan: $1,557/mo
Gap financing: $1,626/mo
$269less per month with the assumable
Your Savings on This Property
7672 Saulsbury, Arvada · 3.7% VA vs 6.5% conventional
$269
per month
$3,230
per year
$96,895
over 30 years
$100,478
interest saved
How gap financing works: The equity gap ($240,243) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($28,750, 5% of purchase price) and a second mortgage for the rest ($211,493 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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