Loan Comparison: 2.68% vs 6.5%
5172 Sydney, Highlands Ranch, CO 80130 · 3bd/3ba · $640,000
List Price
$640,000
Assumable Rate
2.68%
Remaining Balance
$361,593
Equity Gap
$280,096
Loan Type
VAAdjust Your Scenario
$32,000
$32,000$280,096
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.68% (VA)
Blended Rate: 5.05%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,843/moAssumable @ 2.68% + gap loan
$3,370/moAssumed loan: $1,463/mo
Gap financing: $1,908/mo
$473less per month with the assumable
Your Savings on This Property
5172 Sydney, Highlands Ranch · 2.68% VA vs 6.5% conventional
$473
per month
$5,670
per year
$170,111
over 30 years
$171,800
interest saved
How gap financing works: The equity gap ($280,096) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($32,000, 5% of purchase price) and a second mortgage for the rest ($248,096 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.
🏠
Back to This Listing
View photos, details, and request a showing for 5172 Sydney.
View Listing Details📈
Interested in This Home?
Get full loan details and schedule a showing. Free, no obligation.