Loan Comparison: 2.68% vs 6.5%
20509 Brunswick, Aurora, CO 80013 · 5bd/4ba · $724,000
List Price
$724,000
Assumable Rate
2.68%
Remaining Balance
$402,212
Equity Gap
$321,788
Loan Type
VAAdjust Your Scenario
$36,200
$36,200$321,788
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.68% (VA)
Blended Rate: 5.10%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,347/moAssumable @ 2.68% + gap loan
$3,823/moAssumed loan: $1,627/mo
Gap financing: $2,196/mo
$524less per month with the assumable
Your Savings on This Property
20509 Brunswick, Aurora · 2.68% VA vs 6.5% conventional
$524
per month
$6,292
per year
$188,755
over 30 years
$188,755
interest saved
How gap financing works: The equity gap ($321,788) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($36,200, 5% of purchase price) and a second mortgage for the rest ($285,588 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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