Loan Comparison: 3.77% vs 6.5%
6122 Beckwourth, Parker, CO 80134 · 4bd/3ba · $850,000
List Price
$850,000
Assumable Rate
3.77%
Remaining Balance
$357,386
Equity Gap
$633,434
Loan Type
VAAdjust Your Scenario
$42,500
$42,500$633,434
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.77% (VA)
Blended Rate: 6.72%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,104/moAssumable @ 3.77% + gap loan
$6,203/moAssumed loan: $1,659/mo
Gap financing: $4,544/mo
Your Savings on This Property
6122 Beckwourth, Parker · 3.77% 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 ($633,434) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($42,500, 5% of purchase price) and a second mortgage for the rest ($590,934 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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