Loan Comparison: 5.52% vs 6.5%
14553 Holstein, Mead, CO 80542 · 4bd/3ba · $669,900
List Price
$669,900
Assumable Rate
5.52%
Remaining Balance
$543,039
Equity Gap
$126,860
Loan Type
VAAdjust Your Scenario
$33,495
$33,495$126,860
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.52% (VA)
Blended Rate: 5.96%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,023/moAssumable @ 5.52% + gap loan
$3,808/moAssumed loan: $3,090/mo
Gap financing: $718/mo
$214less per month with the assumable
Your Savings on This Property
14553 Holstein, Mead · 5.52% VA vs 6.5% conventional
$214
per month
$2,574
per year
$77,214
over 30 years
$77,213
interest saved
How gap financing works: The equity gap ($126,860) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($33,495, 5% of purchase price) and a second mortgage for the rest ($93,365 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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