Loan Comparison: 4.125% vs 6.5%
10869 25th, Aurora, CO 80010 · 3bd/4ba · $685,000
List Price
$685,000
Assumable Rate
4.125%
Remaining Balance
$652,631
Equity Gap
$34,555
Loan Type
VAAdjust Your Scenario
$34,250
$34,250$34,555
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.125% (VA)
Blended Rate: 4.13%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,113/moAssumable @ 4.125% + gap loan
$3,165/moAssumed loan: $3,163/mo
Gap financing: $2/mo
$948less per month with the assumable
Your Savings on This Property
10869 25th, Aurora · 4.125% VA vs 6.5% conventional
$948
per month
$11,374
per year
$341,231
over 30 years
$343,417
interest saved
How gap financing works: The equity gap ($34,555) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($34,250, 5% of purchase price) and a second mortgage for the rest ($305 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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