Loan Comparison: 4.99% vs 6.5%
10912 Huntwick, Highlands Ranch, CO 80130 · 5bd/4ba · $989,900
List Price
$989,900
Assumable Rate
4.99%
Remaining Balance
$804,363
Equity Gap
$187,968
Loan Type
VAAdjust Your Scenario
$49,495
$49,495$187,968
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.99% (VA)
Blended Rate: 5.51%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,944/moAssumable @ 4.99% + gap loan
$5,378/moAssumed loan: $4,313/mo
Gap financing: $1,065/mo
$566less per month with the assumable
Your Savings on This Property
10912 Huntwick, Highlands Ranch · 4.99% VA vs 6.5% conventional
$566
per month
$6,794
per year
$203,825
over 30 years
$206,256
interest saved
How gap financing works: The equity gap ($187,968) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($49,495, 5% of purchase price) and a second mortgage for the rest ($138,473 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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