Loan Comparison: 3.91% vs 6.5%
10531 Laurelglen, Highlands Ranch, CO 80130 · 5bd/4ba · $775,000
List Price
$775,000
Assumable Rate
3.91%
Remaining Balance
$189,936
Equity Gap
$584,367
Loan Type
VAAdjust Your Scenario
$38,750
$38,750$584,367
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.91% (VA)
Blended Rate: 7.31%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,654/moAssumable @ 3.91% + gap loan
$5,092/moAssumed loan: $897/mo
Gap financing: $4,195/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 ($584,367) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($38,750, 5% of purchase price) and a second mortgage for the rest ($545,617 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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