Loan Comparison: 2.68% vs 6.5%
5930 Stagecoach, Firestone, CO 80504 · 4bd/3ba · $554,900
List Price
$554,900
Assumable Rate
2.68%
Remaining Balance
$198,594
Equity Gap
$355,835
Loan Type
VAAdjust Your Scenario
$27,745
$27,745$355,835
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.68% (VA)
Blended Rate: 6.31%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,332/moAssumable @ 2.68% + gap loan
$3,326/moAssumed loan: $803/mo
Gap financing: $2,523/mo
$6less per month with the assumable
Your Savings on This Property
5930 Stagecoach, Firestone · 2.68% VA vs 6.5% conventional
$6
per month
$70
per year
$2,107
over 30 years
$1,636
interest saved
How gap financing works: The equity gap ($355,835) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($27,745, 5% of purchase price) and a second mortgage for the rest ($328,090 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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