Loan Comparison: 5.86% vs 6.5%
425 Uvalda, Aurora, CO 80012 · 4bd/3ba · $465,000
List Price
$465,000
Assumable Rate
5.86%
Remaining Balance
$36,141
Equity Gap
$505,007
Loan Type
VAAdjust Your Scenario
$23,250
$23,250$505,007
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.86% (VA)
Blended Rate: 8.32%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,792/moAssumable @ 5.86% + gap loan
$3,918/moAssumed loan: $213/mo
Gap financing: $3,704/mo
Your Savings on This Property
425 Uvalda, Aurora · 5.86% 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 ($505,007) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($23,250, 5% of purchase price) and a second mortgage for the rest ($481,757 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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