Loan Comparison: 2.84% vs 6.5%
4452 Ukraine, Aurora, CO 80015 · 5bd/3ba · $715,000
List Price
$715,000
Assumable Rate
2.84%
Remaining Balance
$474,381
Equity Gap
$239,564
Loan Type
VAAdjust Your Scenario
$35,750
$35,750$239,564
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.84% (VA)
Blended Rate: 4.54%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,293/moAssumable @ 2.84% + gap loan
$3,526/moAssumed loan: $1,959/mo
Gap financing: $1,567/mo
$767less per month with the assumable
Your Savings on This Property
4452 Ukraine, Aurora · 2.84% VA vs 6.5% conventional
$767
per month
$9,202
per year
$276,070
over 30 years
$275,015
interest saved
How gap financing works: The equity gap ($239,564) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($35,750, 5% of purchase price) and a second mortgage for the rest ($203,814 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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