Loan Comparison: 5.84% vs 6.5%
14610 Dahlia, Thornton, CO 80602 · 5bd/4ba · $869,900
List Price
$869,900
Assumable Rate
5.84%
Remaining Balance
$800,348
Equity Gap
$68,531
Loan Type
VAAdjust Your Scenario
$43,495
$43,495$68,531
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.84% (VA)
Blended Rate: 5.92%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,223/moAssumable @ 5.84% + gap loan
$4,909/moAssumed loan: $4,716/mo
Gap financing: $193/mo
$314less per month with the assumable
Your Savings on This Property
14610 Dahlia, Thornton · 5.84% VA vs 6.5% conventional
$314
per month
$3,774
per year
$113,207
over 30 years
$112,186
interest saved
How gap financing works: The equity gap ($68,531) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($43,495, 5% of purchase price) and a second mortgage for the rest ($25,036 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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