Loan Comparison: 3.55% vs 6.5%
21050 Acadia, Parker, CO 80138 · 3bd/3ba · $649,900
List Price
$649,900
Assumable Rate
3.55%
Remaining Balance
$270,152
Equity Gap
$403,402
Loan Type
VAAdjust Your Scenario
$32,495
$32,495$403,402
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.55% (VA)
Blended Rate: 6.41%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,902/moAssumable @ 3.55% + gap loan
$4,073/moAssumed loan: $1,221/mo
Gap financing: $2,852/mo
Your Savings on This Property
21050 Acadia, Parker · 3.55% 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 ($403,402) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($32,495, 5% of purchase price) and a second mortgage for the rest ($370,907 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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