Loan Comparison: 2.79% vs 6.5%
11754 Vonnie Claire, Golden, CO 80403 · 3bd/2ba · $655,000
List Price
$655,000
Assumable Rate
2.79%
Remaining Balance
$383,491
Equity Gap
$270,604
Loan Type
VAAdjust Your Scenario
$32,750
$32,750$270,604
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.79% (VA)
Blended Rate: 4.98%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,933/moAssumable @ 2.79% + gap loan
$3,403/moAssumed loan: $1,574/mo
Gap financing: $1,829/mo
$530less per month with the assumable
Your Savings on This Property
11754 Vonnie Claire, Golden · 2.79% VA vs 6.5% conventional
$530
per month
$6,365
per year
$190,961
over 30 years
$190,056
interest saved
How gap financing works: The equity gap ($270,604) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($32,750, 5% of purchase price) and a second mortgage for the rest ($237,854 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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