Loan Comparison: 3.09% vs 6.5%
6086 Ukraine, Aurora, CO 80015 · 4bd/4ba · $684,900
List Price
$684,900
Assumable Rate
3.09%
Remaining Balance
$330,769
Equity Gap
$353,394
Loan Type
VAAdjust Your Scenario
$34,245
$34,245$353,394
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.09% (VA)
Blended Rate: 5.75%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,113/moAssumable @ 3.09% + gap loan
$3,865/moAssumed loan: $1,411/mo
Gap financing: $2,454/mo
$248less per month with the assumable
Your Savings on This Property
6086 Ukraine, Aurora · 3.09% VA vs 6.5% conventional
$248
per month
$2,976
per year
$89,266
over 30 years
$88,529
interest saved
How gap financing works: The equity gap ($353,394) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($34,245, 5% of purchase price) and a second mortgage for the rest ($319,149 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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