Loan Comparison: 3.23% vs 6.5%
19728 Rosewood, Parker, CO 80138 · 2bd/3ba · $365,000
List Price
$365,000
Assumable Rate
3.23%
Remaining Balance
$261,940
Equity Gap
$102,464
Loan Type
VAAdjust Your Scenario
$18,250
$18,250$102,464
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.23% (VA)
Blended Rate: 4.51%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,192/moAssumable @ 3.23% + gap loan
$1,785/moAssumed loan: $1,137/mo
Gap financing: $648/mo
$407less per month with the assumable
Your Savings on This Property
19728 Rosewood, Parker · 3.23% VA vs 6.5% conventional
$407
per month
$4,885
per year
$146,540
over 30 years
$145,944
interest saved
How gap financing works: The equity gap ($102,464) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($18,250, 5% of purchase price) and a second mortgage for the rest ($84,214 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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