Loan Comparison: 5.52% vs 6.5%
13611 Wrangler, Mead, CO 80542 · 5bd/4ba · $635,000
List Price
$635,000
Assumable Rate
5.52%
Remaining Balance
$418,192
Equity Gap
$216,224
Loan Type
VAAdjust Your Scenario
$31,750
$31,750$216,224
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.52% (VA)
Blended Rate: 6.43%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,813/moAssumable @ 5.52% + gap loan
$3,798/moAssumed loan: $2,380/mo
Gap financing: $1,418/mo
$15less per month with the assumable
Your Savings on This Property
13611 Wrangler, Mead · 5.52% VA vs 6.5% conventional
$15
per month
$178
per year
$5,330
over 30 years
$4,746
interest saved
How gap financing works: The equity gap ($216,224) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($31,750, 5% of purchase price) and a second mortgage for the rest ($184,474 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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