Loan Comparison: 4.12% vs 6.5%
11072 Claude, Northglenn, CO 80233 · 3bd/1ba · $334,000
List Price
$334,000
Assumable Rate
4.12%
Remaining Balance
$126,295
Equity Gap
$207,705
Loan Type
VAAdjust Your Scenario
$16,700
$16,700$207,705
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.12% (VA)
Blended Rate: 6.76%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,006/moAssumable @ 4.12% + gap loan
$2,080/moAssumed loan: $612/mo
Gap financing: $1,469/mo
Your Savings on This Property
11072 Claude, Northglenn · 4.12% 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 ($207,705) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($16,700, 5% of purchase price) and a second mortgage for the rest ($191,005 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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