Loan Comparison: 2.74% vs 6.5%
4572 Crystal, Aurora, CO 80015 · 2bd/2ba · $300,000
List Price
$300,000
Assumable Rate
2.74%
Remaining Balance
$270,279
Equity Gap
$29,088
Loan Type
VAAdjust Your Scenario
$15,000
$15,000$29,088
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.74% (VA)
Blended Rate: 3.03%
Monthly Payment Comparison
New Conventional @ 6.5%
$1,801/moAssumable @ 2.74% + gap loan
$1,210/moAssumed loan: $1,102/mo
Gap financing: $108/mo
$591less per month with the assumable
Your Savings on This Property
4572 Crystal, Aurora · 2.74% VA vs 6.5% conventional
$591
per month
$7,093
per year
$212,800
over 30 years
$212,167
interest saved
How gap financing works: The equity gap ($29,088) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($15,000, 5% of purchase price) and a second mortgage for the rest ($14,088 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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