Loan Comparison: 2.5% vs 6.5%
4825 Ammons Street, Littleton, CO 80123 · 3bd/2ba · $519,900
List Price
$519,900
Assumable Rate
2.5%
Remaining Balance
$326,866
Equity Gap
$193,033
Loan Type
VAAdjust Your Scenario
$25,995
$25,995$193,033
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.5% (VA)
Blended Rate: 4.19%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,122/moAssumable @ 2.5% + gap loan
$2,459/moAssumed loan: $1,292/mo
Gap financing: $1,168/mo
$662less per month with the assumable
Your Savings on This Property
4825 Ammons Street, Littleton · 2.5% VA vs 6.5% conventional
$662
per month
$7,948
per year
$238,444
over 30 years
$238,443
interest saved
How gap financing works: The equity gap ($193,033) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($25,995, 5% of purchase price) and a second mortgage for the rest ($167,038 at 7.5%). 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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