Loan Comparison: 2.81% vs 6.5%
17774 Arizona, Aurora, CO 80017 · 3bd/2ba · $459,900
List Price
$459,900
Assumable Rate
2.81%
Remaining Balance
$348,179
Equity Gap
$110,921
Loan Type
VAAdjust Your Scenario
$22,995
$22,995$110,921
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.81% (VA)
Blended Rate: 3.96%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,762/moAssumable @ 2.81% + gap loan
$2,109/moAssumed loan: $1,432/mo
Gap financing: $676/mo
$653less per month with the assumable
Your Savings on This Property
17774 Arizona, Aurora · 2.81% VA vs 6.5% conventional
$653
per month
$7,836
per year
$235,066
over 30 years
$234,266
interest saved
How gap financing works: The equity gap ($110,921) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($22,995, 5% of purchase price) and a second mortgage for the rest ($87,926 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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