Loan Comparison: 4.27% vs 6.5%
9538 San Juan Circle, Littleton, CO 80128 · 2bd/1ba · $364,899
List Price
$364,899
Assumable Rate
4.27%
Remaining Balance
$264,858
Equity Gap
$100,041
Loan Type
VAAdjust Your Scenario
$18,245
$18,245$100,041
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.27% (VA)
Blended Rate: 5.03%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,191/moAssumable @ 4.27% + gap loan
$1,878/moAssumed loan: $1,306/mo
Gap financing: $572/mo
$313less per month with the assumable
Your Savings on This Property
9538 San Juan Circle, Littleton · 4.27% VA vs 6.5% conventional
$313
per month
$3,757
per year
$112,721
over 30 years
$112,721
interest saved
How gap financing works: The equity gap ($100,041) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($18,245, 5% of purchase price) and a second mortgage for the rest ($81,796 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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