Loan Comparison: 3.27% vs 6.5%
5405 Lowell Boulevard, Littleton, CO 80123 · 4bd/4ba · $690,000
List Price
$690,000
Assumable Rate
3.27%
Remaining Balance
$535,927
Equity Gap
$154,072
Loan Type
VAAdjust Your Scenario
$34,500
$34,500$154,072
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.27% (VA)
Blended Rate: 4.04%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,143/moAssumable @ 3.27% + gap loan
$3,174/moAssumed loan: $2,338/mo
Gap financing: $836/mo
$969less per month with the assumable
Your Savings on This Property
5405 Lowell Boulevard, Littleton · 3.27% VA vs 6.5% conventional
$969
per month
$11,626
per year
$348,792
over 30 years
$348,791
interest saved
How gap financing works: The equity gap ($154,072) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($34,500, 5% of purchase price) and a second mortgage for the rest ($119,572 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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