Loan Comparison: 3.07% vs 6.5%
15202 Batavia, Aurora, CO 80011 · 3bd/3ba · $379,000
List Price
$379,000
Assumable Rate
3.07%
Remaining Balance
$312,496
Equity Gap
$67,169
Loan Type
VAAdjust Your Scenario
$18,950
$18,950$67,169
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.07% (VA)
Blended Rate: 3.80%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,276/moAssumable @ 3.07% + gap loan
$1,700/moAssumed loan: $1,329/mo
Gap financing: $371/mo
$576less per month with the assumable
Your Savings on This Property
15202 Batavia, Aurora · 3.07% VA vs 6.5% conventional
$576
per month
$6,908
per year
$207,243
over 30 years
$207,908
interest saved
How gap financing works: The equity gap ($67,169) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($18,950, 5% of purchase price) and a second mortgage for the rest ($48,219 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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