Loan Comparison: 2.77% vs 6.5%
3650 Mariposa, Denver, CO 80211 · 4bd/4ba · $1,495,000
List Price
$1,495,000
Assumable Rate
2.77%
Remaining Balance
$657,798
Equity Gap
$835,654
Loan Type
VAAdjust Your Scenario
$74,750
$74,750$835,654
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.77% (VA)
Blended Rate: 5.84%
Monthly Payment Comparison
New Conventional @ 6.5%
$8,977/moAssumable @ 2.77% + gap loan
$8,543/moAssumed loan: $2,692/mo
Gap financing: $5,851/mo
$434less per month with the assumable
Your Savings on This Property
3650 Mariposa, Denver · 2.77% VA vs 6.5% conventional
$434
per month
$5,207
per year
$156,196
over 30 years
$154,648
interest saved
How gap financing works: The equity gap ($835,654) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($74,750, 5% of purchase price) and a second mortgage for the rest ($760,904 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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