Loan Comparison: 3.07% vs 6.5%
8813 Osceola, Westminster, CO 80031 · 2bd/3ba · $550,000
List Price
$550,000
Assumable Rate
3.07%
Remaining Balance
$461,922
Equity Gap
$88,078
Loan Type
VAAdjust Your Scenario
$27,500
$27,500$88,078
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.07% (VA)
Blended Rate: 3.70%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,303/moAssumable @ 3.07% + gap loan
$2,431/moAssumed loan: $1,965/mo
Gap financing: $466/mo
$872less per month with the assumable
Your Savings on This Property
8813 Osceola, Westminster · 3.07% VA vs 6.5% conventional
$872
per month
$10,462
per year
$313,848
over 30 years
$313,848
interest saved
How gap financing works: The equity gap ($88,078) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($27,500, 5% of purchase price) and a second mortgage for the rest ($60,578 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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