Loan Comparison: 2.79% vs 6.5%
9545 Grand Cypress, Lone Tree, CO 80124 · 5bd/3ba · $765,000
List Price
$765,000
Assumable Rate
2.79%
Remaining Balance
$491,564
Equity Gap
$273,436
Loan Type
VAAdjust Your Scenario
$38,250
$38,250$273,436
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.79% (VA)
Blended Rate: 4.64%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,594/moAssumable @ 2.79% + gap loan
$3,826/moAssumed loan: $2,017/mo
Gap financing: $1,808/mo
$768less per month with the assumable
Your Savings on This Property
9545 Grand Cypress, Lone Tree · 2.79% VA vs 6.5% conventional
$768
per month
$9,216
per year
$276,473
over 30 years
$276,473
interest saved
How gap financing works: The equity gap ($273,436) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($38,250, 5% of purchase price) and a second mortgage for the rest ($235,186 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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