Loan Comparison: 3.75% vs 6.5%
2446 Glenhaven, Highlands Ranch, CO 80126 · 5bd/5ba · $1,631,000
List Price
$1,631,000
Assumable Rate
3.75%
Remaining Balance
$1,430,776
Equity Gap
$202,885
Loan Type
VAAdjust Your Scenario
$81,550
$81,550$202,885
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.75% (VA)
Blended Rate: 4.12%
Monthly Payment Comparison
New Conventional @ 6.5%
$9,794/moAssumable @ 3.75% + gap loan
$7,559/moAssumed loan: $6,626/mo
Gap financing: $933/mo
$2,234less per month with the assumable
Your Savings on This Property
2446 Glenhaven, Highlands Ranch · 3.75% VA vs 6.5% conventional
$2,234
per month
$26,814
per year
$804,409
over 30 years
$807,070
interest saved
How gap financing works: The equity gap ($202,885) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($81,550, 5% of purchase price) and a second mortgage for the rest ($121,335 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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