Loan Comparison: 3.44% vs 6.5%
1124 Rockhurst, Highlands Ranch, CO 80129 · 2bd/3ba · $600,000
List Price
$600,000
Assumable Rate
3.44%
Remaining Balance
$202,953
Equity Gap
$397,610
Loan Type
VAAdjust Your Scenario
$30,000
$30,000$397,610
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.44% (VA)
Blended Rate: 6.70%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,603/moAssumable @ 3.44% + gap loan
$3,731/moAssumed loan: $905/mo
Gap financing: $2,827/mo
Your Savings on This Property
1124 Rockhurst, Highlands Ranch · 3.44% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($397,610) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($30,000, 5% of purchase price) and a second mortgage for the rest ($367,610 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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