Loan Comparison: 5.23% vs 6.5%
12665 67th, Arvada, CO 80004 · 6bd/3ba · $665,000
List Price
$665,000
Assumable Rate
5.23%
Remaining Balance
$424,451
Equity Gap
$240,549
Loan Type
VAAdjust Your Scenario
$33,250
$33,250$240,549
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.23% (VA)
Blended Rate: 6.30%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,993/moAssumable @ 5.23% + gap loan
$3,933/moAssumed loan: $2,339/mo
Gap financing: $1,594/mo
$61less per month with the assumable
Your Savings on This Property
12665 67th, Arvada · 5.23% VA vs 6.5% conventional
$61
per month
$727
per year
$21,802
over 30 years
$21,802
interest saved
How gap financing works: The equity gap ($240,549) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($33,250, 5% of purchase price) and a second mortgage for the rest ($207,299 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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