Loan Comparison: 2.9% vs 6.5%
2084 Creighton, Golden, CO 80401 · 5bd/3ba · $829,000
List Price
$829,000
Assumable Rate
2.9%
Remaining Balance
$408,871
Equity Gap
$418,335
Loan Type
VAAdjust Your Scenario
$41,450
$41,450$418,335
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.9% (VA)
Blended Rate: 5.59%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,978/moAssumable @ 2.9% + gap loan
$4,600/moAssumed loan: $1,702/mo
Gap financing: $2,898/mo
$378less per month with the assumable
Your Savings on This Property
2084 Creighton, Golden · 2.9% VA vs 6.5% conventional
$378
per month
$4,537
per year
$136,112
over 30 years
$134,318
interest saved
How gap financing works: The equity gap ($418,335) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($41,450, 5% of purchase price) and a second mortgage for the rest ($376,885 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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