Loan Comparison: 2.68% vs 6.5%
5172 Sydney, Highlands Ranch, CO 80130 · 3bd/3ba · $615,000
List Price
$615,000
Assumable Rate
2.68%
Remaining Balance
$359,056
Equity Gap
$255,096
Loan Type
VAAdjust Your Scenario
$30,750
$30,750$255,096
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.68% (VA)
Blended Rate: 4.92%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,693/moAssumable @ 2.68% + gap loan
$3,178/moAssumed loan: $1,453/mo
Gap financing: $1,725/mo
$515less per month with the assumable
Your Savings on This Property
5172 Sydney, Highlands Ranch · 2.68% VA vs 6.5% conventional
$515
per month
$6,184
per year
$185,506
over 30 years
$184,658
interest saved
How gap financing works: The equity gap ($255,096) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($30,750, 5% of purchase price) and a second mortgage for the rest ($224,346 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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