Loan Comparison: 3.46% vs 6.5%
17572 Wesley, Aurora, CO 80013 · 3bd/4ba · $565,000
List Price
$565,000
Assumable Rate
3.46%
Remaining Balance
$253,158
Equity Gap
$311,140
Loan Type
VAAdjust Your Scenario
$28,250
$28,250$311,140
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.46% (VA)
Blended Rate: 6.12%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,393/moAssumable @ 3.46% + gap loan
$3,306/moAssumed loan: $1,131/mo
Gap financing: $2,175/mo
$86less per month with the assumable
Your Savings on This Property
17572 Wesley, Aurora · 3.46% VA vs 6.5% conventional
$86
per month
$1,036
per year
$31,067
over 30 years
$30,365
interest saved
How gap financing works: The equity gap ($311,140) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($28,250, 5% of purchase price) and a second mortgage for the rest ($282,890 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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