Loan Comparison: 3.57% vs 6.5%
18456 Bethany, Aurora, CO 80013 · 2bd/2ba · $380,000
List Price
$380,000
Assumable Rate
3.57%
Remaining Balance
$205,052
Equity Gap
$174,948
Loan Type
VAAdjust Your Scenario
$19,000
$19,000$174,948
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.57% (VA)
Blended Rate: 5.70%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,282/moAssumable @ 3.57% + gap loan
$2,128/moAssumed loan: $929/mo
Gap financing: $1,199/mo
$154less per month with the assumable
Your Savings on This Property
18456 Bethany, Aurora · 3.57% VA vs 6.5% conventional
$154
per month
$1,846
per year
$55,388
over 30 years
$55,388
interest saved
How gap financing works: The equity gap ($174,948) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($19,000, 5% of purchase price) and a second mortgage for the rest ($155,948 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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