Loan Comparison: 3.34% vs 6.5%
2505 141st, Brighton, CO 80602 · 5bd/4ba · $825,000
List Price
$825,000
Assumable Rate
3.34%
Remaining Balance
$578,207
Equity Gap
$246,793
Loan Type
VAAdjust Your Scenario
$41,250
$41,250$246,793
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.34% (VA)
Blended Rate: 4.69%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,954/moAssumable @ 3.34% + gap loan
$4,125/moAssumed loan: $2,545/mo
Gap financing: $1,580/mo
$828less per month with the assumable
Your Savings on This Property
2505 141st, Brighton · 3.34% VA vs 6.5% conventional
$828
per month
$9,940
per year
$298,203
over 30 years
$298,203
interest saved
How gap financing works: The equity gap ($246,793) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($41,250, 5% of purchase price) and a second mortgage for the rest ($205,543 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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