Loan Comparison: 2.79% vs 6.5%
9545 Grand Cypress, Lone Tree, CO 80124 · 5bd/3ba · $750,000
List Price
$750,000
Assumable Rate
2.79%
Remaining Balance
$490,450
Equity Gap
$258,436
Loan Type
VAAdjust Your Scenario
$37,500
$37,500$258,436
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.79% (VA)
Blended Rate: 4.56%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,503/moAssumable @ 2.79% + gap loan
$3,711/moAssumed loan: $2,013/mo
Gap financing: $1,699/mo
$792less per month with the assumable
Your Savings on This Property
9545 Grand Cypress, Lone Tree · 2.79% VA vs 6.5% conventional
$792
per month
$9,505
per year
$285,139
over 30 years
$284,025
interest saved
How gap financing works: The equity gap ($258,436) 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 ($220,936 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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