Loan Comparison: 2.68% vs 6.5%
1877 137th, Broomfield, CO 80023 · 5bd/5ba · $965,000
List Price
$965,000
Assumable Rate
2.68%
Remaining Balance
$449,556
Equity Gap
$516,503
Loan Type
VAAdjust Your Scenario
$48,250
$48,250$516,503
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.68% (VA)
Blended Rate: 5.65%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,794/moAssumable @ 2.68% + gap loan
$5,419/moAssumed loan: $1,819/mo
Gap financing: $3,600/mo
$375less per month with the assumable
Your Savings on This Property
1877 137th, Broomfield · 2.68% VA vs 6.5% conventional
$375
per month
$4,505
per year
$135,135
over 30 years
$136,194
interest saved
How gap financing works: The equity gap ($516,503) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($48,250, 5% of purchase price) and a second mortgage for the rest ($468,253 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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