Loan Comparison: 2.22% vs 6.5%
4 Red Tail, Highlands Ranch, CO 80126 · 6bd/5ba · $1,565,000
List Price
$1,565,000
Assumable Rate
2.22%
Remaining Balance
$275,498
Equity Gap
$1,302,665
Loan Type
VAAdjust Your Scenario
$78,250
$78,250$1,302,665
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.22% (VA)
Blended Rate: 7.35%
Monthly Payment Comparison
New Conventional @ 6.5%
$9,397/moAssumable @ 2.22% + gap loan
$10,464/moAssumed loan: $1,049/mo
Gap financing: $9,415/mo
Your Savings on This Property
4 Red Tail, Highlands Ranch · 2.22% 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 ($1,302,665) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($78,250, 5% of purchase price) and a second mortgage for the rest ($1,224,415 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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