Loan Comparison: 2.98% vs 6.5%
4514 Valdai, Aurora, CO 80015 · 4bd/4ba · $750,000
List Price
$750,000
Assumable Rate
2.98%
Remaining Balance
$381,593
Equity Gap
$418,407
Loan Type
VAAdjust Your Scenario
$37,500
$37,500$418,407
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.98% (VA)
Blended Rate: 5.74%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,503/moAssumable @ 2.98% + gap loan
$4,534/moAssumed loan: $1,605/mo
Gap financing: $2,929/mo
Your Savings on This Property
4514 Valdai, Aurora · 2.98% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$39,179
interest saved
How gap financing works: The equity gap ($418,407) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($37,500, 5% of purchase price) and a second mortgage for the rest ($380,907 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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