Loan Comparison: 3.18% vs 6.5%
6249 Krameria, Centennial, CO 80111 · 4bd/3ba · $875,000
List Price
$875,000
Assumable Rate
3.18%
Remaining Balance
$513,063
Equity Gap
$363,076
Loan Type
VAAdjust Your Scenario
$43,750
$43,750$363,076
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.18% (VA)
Blended Rate: 5.22%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,254/moAssumable @ 3.18% + gap loan
$4,669/moAssumed loan: $2,213/mo
Gap financing: $2,455/mo
$586less per month with the assumable
Your Savings on This Property
6249 Krameria, Centennial · 3.18% VA vs 6.5% conventional
$586
per month
$7,026
per year
$210,782
over 30 years
$211,921
interest saved
How gap financing works: The equity gap ($363,076) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($43,750, 5% of purchase price) and a second mortgage for the rest ($319,326 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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