Loan Comparison: 3.45% vs 6.5%
539 Gamble Oak, Brighton, CO 80601 · 5bd/4ba · $675,000
List Price
$675,000
Assumable Rate
3.45%
Remaining Balance
$523,615
Equity Gap
$167,269
Loan Type
VAAdjust Your Scenario
$33,750
$33,750$167,269
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.45% (VA)
Blended Rate: 4.48%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,053/moAssumable @ 3.45% + gap loan
$3,363/moAssumed loan: $2,337/mo
Gap financing: $1,027/mo
$690less per month with the assumable
Your Savings on This Property
539 Gamble Oak, Brighton · 3.45% VA vs 6.5% conventional
$690
per month
$8,278
per year
$248,333
over 30 years
$264,217
interest saved
How gap financing works: The equity gap ($167,269) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($33,750, 5% of purchase price) and a second mortgage for the rest ($133,519 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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