Loan Comparison: 3.94% vs 6.5%
1265 156th, Broomfield, CO 80023 · 3bd/3ba · $1,100,000
List Price
$1,100,000
Assumable Rate
3.94%
Remaining Balance
$340,852
Equity Gap
$759,147
Loan Type
VAAdjust Your Scenario
$55,000
$55,000$759,147
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.94% (VA)
Blended Rate: 7.01%
Monthly Payment Comparison
New Conventional @ 6.5%
$6,605/moAssumable @ 3.94% + gap loan
$7,030/moAssumed loan: $1,616/mo
Gap financing: $5,414/mo
Your Savings on This Property
1265 156th, Broomfield · 3.94% 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 ($759,147) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($55,000, 5% of purchase price) and a second mortgage for the rest ($704,147 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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