Loan Comparison: 4.32% vs 6.5%
7926 125th, Thornton, CO 80602 · 5bd/5ba · $750,000
List Price
$750,000
Assumable Rate
4.32%
Remaining Balance
$522,582
Equity Gap
$376,411
Loan Type
VAAdjust Your Scenario
$37,500
$37,500$376,411
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.32% (VA)
Blended Rate: 5.96%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,503/moAssumable @ 4.32% + gap loan
$5,198/moAssumed loan: $2,592/mo
Gap financing: $2,606/mo
Your Savings on This Property
7926 125th, Thornton · 4.32% 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 ($376,411) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($37,500, 5% of purchase price) and a second mortgage for the rest ($338,911 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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