Loan Comparison: 2.76% vs 6.5%
13251 Wild Basin, Broomfield, CO 80020 · 4bd/4ba · $1,250,000
List Price
$1,250,000
Assumable Rate
2.76%
Remaining Balance
$814,279
Equity Gap
$433,897
Loan Type
VAAdjust Your Scenario
$62,500
$62,500$433,897
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.76% (VA)
Blended Rate: 4.56%
Monthly Payment Comparison
New Conventional @ 6.5%
$7,506/moAssumable @ 2.76% + gap loan
$6,184/moAssumed loan: $3,329/mo
Gap financing: $2,856/mo
$1,322less per month with the assumable
Your Savings on This Property
13251 Wild Basin, Broomfield · 2.76% VA vs 6.5% conventional
$1,322
per month
$15,859
per year
$475,758
over 30 years
$473,934
interest saved
How gap financing works: The equity gap ($433,897) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($62,500, 5% of purchase price) and a second mortgage for the rest ($371,397 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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