Loan Comparison: 2.96% vs 6.5%
18669 Stroh, Parker, CO 80134 · 2bd/2ba · $285,000
List Price
$285,000
Assumable Rate
2.96%
Remaining Balance
$237,173
Equity Gap
$47,827
Loan Type
VAAdjust Your Scenario
$14,250
$14,250$47,827
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.96% (VA)
Blended Rate: 3.65%
Monthly Payment Comparison
New Conventional @ 6.5%
$1,711/moAssumable @ 2.96% + gap loan
$1,253/moAssumed loan: $995/mo
Gap financing: $258/mo
$458less per month with the assumable
Your Savings on This Property
18669 Stroh, Parker · 2.96% VA vs 6.5% conventional
$458
per month
$5,500
per year
$164,997
over 30 years
$164,997
interest saved
How gap financing works: The equity gap ($47,827) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($14,250, 5% of purchase price) and a second mortgage for the rest ($33,577 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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