Loan Comparison: 3.08% vs 6.5%
4760 Wadsworth Boulevard, Littleton, CO 80123 · 2bd/1ba · $305,000
List Price
$305,000
Assumable Rate
3.08%
Remaining Balance
$267,503
Equity Gap
$37,497
Loan Type
VAAdjust Your Scenario
$15,250
$15,250$37,497
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.08% (VA)
Blended Rate: 3.42%
Monthly Payment Comparison
New Conventional @ 6.5%
$1,831/moAssumable @ 3.08% + gap loan
$1,295/moAssumed loan: $1,139/mo
Gap financing: $156/mo
$536less per month with the assumable
Your Savings on This Property
4760 Wadsworth Boulevard, Littleton · 3.08% VA vs 6.5% conventional
$536
per month
$6,438
per year
$193,135
over 30 years
$193,135
interest saved
How gap financing works: The equity gap ($37,497) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($15,250, 5% of purchase price) and a second mortgage for the rest ($22,247 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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