Loan Comparison: 4.46% vs 6.5%
12579 Tammywood, Broomfield, CO 80020 · 3bd/3ba · $600,000
List Price
$600,000
Assumable Rate
4.46%
Remaining Balance
$195,936
Equity Gap
$404,678
Loan Type
VAAdjust Your Scenario
$30,000
$30,000$404,678
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.46% (VA)
Blended Rate: 7.11%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,603/moAssumable @ 4.46% + gap loan
$3,869/moAssumed loan: $988/mo
Gap financing: $2,881/mo
Your Savings on This Property
12579 Tammywood, Broomfield · 4.46% 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 ($404,678) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($30,000, 5% of purchase price) and a second mortgage for the rest ($374,678 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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