Loan Comparison: 3.44% vs 6.5%
2029 Fundy, Aurora, CO 80013 · 3bd/3ba · $499,000
List Price
$499,000
Assumable Rate
3.44%
Remaining Balance
$262,374
Equity Gap
$236,626
Loan Type
VAAdjust Your Scenario
$24,950
$24,950$236,626
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.44% (VA)
Blended Rate: 5.70%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,996/moAssumable @ 3.44% + gap loan
$2,797/moAssumed loan: $1,169/mo
Gap financing: $1,628/mo
$199less per month with the assumable
Your Savings on This Property
2029 Fundy, Aurora · 3.44% VA vs 6.5% conventional
$199
per month
$2,392
per year
$71,750
over 30 years
$71,750
interest saved
How gap financing works: The equity gap ($236,626) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($24,950, 5% of purchase price) and a second mortgage for the rest ($211,676 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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