Loan Comparison: 3.25% vs 6.5%
5452 Valdai, Aurora, CO 80015 · 4bd/3ba · $525,000
List Price
$525,000
Assumable Rate
3.25%
Remaining Balance
$457,731
Equity Gap
$146,342
Loan Type
VAAdjust Your Scenario
$26,250
$26,250$146,342
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.25% (VA)
Blended Rate: 4.34%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,152/moAssumable @ 3.25% + gap loan
$2,915/moAssumed loan: $1,992/mo
Gap financing: $923/mo
$237less per month with the assumable
Your Savings on This Property
5452 Valdai, Aurora · 3.25% VA vs 6.5% conventional
$237
per month
$2,844
per year
$85,306
over 30 years
$164,379
interest saved
How gap financing works: The equity gap ($146,342) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($26,250, 5% of purchase price) and a second mortgage for the rest ($120,092 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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