Loan Comparison: 3.69% vs 6.5%
3071 Fox Sedge, Highlands Ranch, CO 80126 · 4bd/3ba · $860,000
List Price
$860,000
Assumable Rate
3.69%
Remaining Balance
$370,465
Equity Gap
$488,522
Loan Type
VAAdjust Your Scenario
$43,000
$43,000$488,522
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.69% (VA)
Blended Rate: 6.32%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,164/moAssumable @ 3.69% + gap loan
$5,129/moAssumed loan: $1,703/mo
Gap financing: $3,426/mo
$35less per month with the assumable
Your Savings on This Property
3071 Fox Sedge, Highlands Ranch · 3.69% VA vs 6.5% conventional
$35
per month
$423
per year
$12,681
over 30 years
$11,668
interest saved
How gap financing works: The equity gap ($488,522) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($43,000, 5% of purchase price) and a second mortgage for the rest ($445,522 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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