Loan Comparison: 3.55% vs 6.5%
9972 Appletree, Thornton, CO 80260 · 3bd/2ba · $339,000
List Price
$339,000
Assumable Rate
3.55%
Remaining Balance
$74,060
Equity Gap
$265,216
Loan Type
VAAdjust Your Scenario
$16,950
$16,950$265,216
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.55% (VA)
Blended Rate: 7.36%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,036/moAssumable @ 3.55% + gap loan
$2,244/moAssumed loan: $335/mo
Gap financing: $1,909/mo
Your Savings on This Property
9972 Appletree, Thornton · 3.55% 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 ($265,216) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($16,950, 5% of purchase price) and a second mortgage for the rest ($248,266 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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