Loan Comparison: 3.66% vs 6.5%
15335 Arapahoe, Golden, CO 80403 · 3bd/1ba · $498,000
List Price
$498,000
Assumable Rate
3.66%
Remaining Balance
$155,733
Equity Gap
$342,267
Loan Type
VAAdjust Your Scenario
$24,900
$24,900$342,267
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.66% (VA)
Blended Rate: 6.91%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,990/moAssumable @ 3.66% + gap loan
$3,154/moAssumed loan: $713/mo
Gap financing: $2,440/mo
Your Savings on This Property
15335 Arapahoe, Golden · 3.66% 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 ($342,267) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($24,900, 5% of purchase price) and a second mortgage for the rest ($317,367 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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