Loan Comparison: 3.62% vs 6.5%
19986 Lehigh, Aurora, CO 80013 · 3bd/2ba · $462,500
List Price
$462,500
Assumable Rate
3.62%
Remaining Balance
$199,781
Equity Gap
$263,151
Loan Type
VAAdjust Your Scenario
$23,125
$23,125$263,151
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.62% (VA)
Blended Rate: 6.28%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,777/moAssumable @ 3.62% + gap loan
$2,756/moAssumed loan: $911/mo
Gap financing: $1,846/mo
$21less per month with the assumable
Your Savings on This Property
19986 Lehigh, Aurora · 3.62% VA vs 6.5% conventional
$21
per month
$252
per year
$7,565
over 30 years
$7,997
interest saved
How gap financing works: The equity gap ($263,151) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($23,125, 5% of purchase price) and a second mortgage for the rest ($240,026 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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