Loan Comparison: 2.94% vs 6.5%
9510 Harford, Highlands Ranch, CO 80126 · 5bd/4ba · $1,050,000
List Price
$1,050,000
Assumable Rate
2.94%
Remaining Balance
$421,464
Equity Gap
$628,535
Loan Type
VAAdjust Your Scenario
$52,500
$52,500$628,535
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.94% (VA)
Blended Rate: 6.15%
Monthly Payment Comparison
New Conventional @ 6.5%
$6,305/moAssumable @ 2.94% + gap loan
$6,193/moAssumed loan: $1,763/mo
Gap financing: $4,429/mo
$112less per month with the assumable
Your Savings on This Property
9510 Harford, Highlands Ranch · 2.94% VA vs 6.5% conventional
$112
per month
$1,348
per year
$40,452
over 30 years
$40,451
interest saved
How gap financing works: The equity gap ($628,535) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($52,500, 5% of purchase price) and a second mortgage for the rest ($576,035 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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