Loan Comparison: 2.69% vs 6.5%
6508 Dahlia Circle, Centennial, CO 80121 · 3bd/3ba · $439,500
List Price
$439,500
Assumable Rate
2.69%
Remaining Balance
$217,771
Equity Gap
$221,728
Loan Type
VAAdjust Your Scenario
$21,975
$21,975$221,728
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.69% (VA)
Blended Rate: 4.99%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,639/moAssumable @ 2.69% + gap loan
$2,279/moAssumed loan: $882/mo
Gap financing: $1,397/mo
$360less per month with the assumable
Your Savings on This Property
6508 Dahlia Circle, Centennial · 2.69% VA vs 6.5% conventional
$360
per month
$4,323
per year
$129,677
over 30 years
$129,676
interest saved
How gap financing works: The equity gap ($221,728) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($21,975, 5% of purchase price) and a second mortgage for the rest ($199,753 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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