Loan Comparison: 2.68% vs 6.5%

6934 Fultondale, Aurora, CO 80016 · 5bd/5ba · $749,900

List Price
$749,900
Assumable Rate
2.68%
Remaining Balance
$383,841
Equity Gap
$363,334
Loan Type
VA

Adjust Your Scenario

$37,495
$37,495$363,334
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.68% (VA)
Blended Rate: 5.35%

Monthly Payment Comparison

New Conventional @ 6.5%
$4,503/mo
Assumable @ 2.68% + gap loan
$4,058/mo
Assumed loan: $1,553/mo
Gap financing: $2,505/mo
$445less per month with the assumable

Your Savings on This Property

6934 Fultondale, Aurora · 2.68% VA vs 6.5% conventional

$445
per month
$5,336
per year
$160,079
over 30 years
$157,354
interest saved
How gap financing works: The equity gap ($363,334) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($37,495, 5% of purchase price) and a second mortgage for the rest ($325,839 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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