Loan Comparison: 4.3% vs 6.5%
3450 Uinta, Denver, CO 80238 · 4bd/4ba · $1,000,000
List Price
$1,000,000
Assumable Rate
4.3%
Remaining Balance
$410,130
Equity Gap
$588,863
Loan Type
VAAdjust Your Scenario
$50,000
$50,000$588,863
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.3% (VA)
Blended Rate: 6.68%
Monthly Payment Comparison
New Conventional @ 6.5%
$6,005/moAssumable @ 4.3% + gap loan
$6,173/moAssumed loan: $2,030/mo
Gap financing: $4,143/mo
Your Savings on This Property
3450 Uinta, Denver · 4.3% 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 ($588,863) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($50,000, 5% of purchase price) and a second mortgage for the rest ($538,863 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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