Loan Comparison: 5.23% vs 6.5%

2660 Meade, Denver, CO 80211 · 3bd/2ba · $1,050,000

List Price
$1,050,000
Assumable Rate
5.23%
Remaining Balance
$462,619
Equity Gap
$587,381
Loan Type
VA

Adjust Your Scenario

$52,500
$52,500$587,381
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.23% (VA)
Blended Rate: 6.98%

Monthly Payment Comparison

New Conventional @ 6.5%
$6,305/mo
Assumable @ 5.23% + gap loan
$6,662/mo
Assumed loan: $2,549/mo
Gap financing: $4,113/mo

Your Savings on This Property

2660 Meade, Denver · 5.23% VA vs 6.5% conventional

$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($587,381) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($52,500, 5% of purchase price) and a second mortgage for the rest ($534,881 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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