Loan Comparison: 2.77% vs 6.5%
7923 Witney, Lone Tree, CO 80124 · 6bd/5ba · $1,545,000
List Price
$1,545,000
Assumable Rate
2.77%
Remaining Balance
$646,645
Equity Gap
$999,564
Loan Type
VAAdjust Your Scenario
$77,250
$77,250$999,564
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.77% (VA)
Blended Rate: 6.14%
Monthly Payment Comparison
New Conventional @ 6.5%
$9,277/moAssumable @ 2.77% + gap loan
$9,739/moAssumed loan: $2,647/mo
Gap financing: $7,092/mo
Your Savings on This Property
7923 Witney, Lone Tree · 2.77% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($999,564) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($77,250, 5% of purchase price) and a second mortgage for the rest ($922,314 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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