Loan Comparison: 4.59% vs 6.5%
1730 Helena, Aurora, CO 80017 · 2bd/3ba · $329,000
List Price
$329,000
Assumable Rate
4.59%
Remaining Balance
$169,800
Equity Gap
$159,200
Loan Type
VAAdjust Your Scenario
$16,450
$16,450$159,200
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.59% (VA)
Blended Rate: 6.38%
Monthly Payment Comparison
New Conventional @ 6.5%
$1,976/moAssumable @ 4.59% + gap loan
$1,967/moAssumed loan: $869/mo
Gap financing: $1,098/mo
$8less per month with the assumable
Your Savings on This Property
1730 Helena, Aurora · 4.59% VA vs 6.5% conventional
$8
per month
$101
per year
$3,042
over 30 years
$3,042
interest saved
How gap financing works: The equity gap ($159,200) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($16,450, 5% of purchase price) and a second mortgage for the rest ($142,750 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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