Loan Comparison: 3.91% vs 6.5%
10531 Laurelglen, Highlands Ranch, CO 80130 · 5bd/4ba · $809,000
List Price
$809,000
Assumable Rate
3.91%
Remaining Balance
$192,019
Equity Gap
$618,367
Loan Type
VAAdjust Your Scenario
$40,450
$40,450$618,367
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.91% (VA)
Blended Rate: 7.36%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,858/moAssumable @ 3.91% + gap loan
$5,350/moAssumed loan: $907/mo
Gap financing: $4,444/mo
Your Savings on This Property
10531 Laurelglen, Highlands Ranch · 3.91% 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 ($618,367) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($40,450, 5% of purchase price) and a second mortgage for the rest ($577,917 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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