Loan Comparison: 2.31% vs 6.5%
19570 Batavia, Aurora, CO 80011 · 4bd/2ba · $435,000
List Price
$435,000
Assumable Rate
2.31%
Remaining Balance
$283,354
Equity Gap
$151,645
Loan Type
VAAdjust Your Scenario
$21,750
$21,750$151,645
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.31% (VA)
Blended Rate: 4.26%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,612/moAssumable @ 2.31% + gap loan
$2,091/moAssumed loan: $1,092/mo
Gap financing: $999/mo
$521less per month with the assumable
Your Savings on This Property
19570 Batavia, Aurora · 2.31% VA vs 6.5% conventional
$521
per month
$6,257
per year
$187,718
over 30 years
$187,717
interest saved
How gap financing works: The equity gap ($151,645) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($21,750, 5% of purchase price) and a second mortgage for the rest ($129,895 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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