Loan Comparison: 3.08% vs 6.5%
22072 Pebble Brook, Parker, CO 80138 · 5bd/4ba · $814,900
List Price
$814,900
Assumable Rate
3.08%
Remaining Balance
$465,370
Equity Gap
$351,557
Loan Type
VAAdjust Your Scenario
$40,745
$40,745$351,557
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.08% (VA)
Blended Rate: 5.25%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,893/moAssumable @ 3.08% + gap loan
$4,372/moAssumed loan: $1,982/mo
Gap financing: $2,390/mo
$521less per month with the assumable
Your Savings on This Property
22072 Pebble Brook, Parker · 3.08% VA vs 6.5% conventional
$521
per month
$6,254
per year
$187,616
over 30 years
$189,643
interest saved
How gap financing works: The equity gap ($351,557) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($40,745, 5% of purchase price) and a second mortgage for the rest ($310,812 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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