Loan Comparison: 2.68% vs 6.5%
8230 Ogden, Littleton, CO 80122 · 5bd/4ba · $700,000
List Price
$700,000
Assumable Rate
2.68%
Remaining Balance
$436,737
Equity Gap
$263,263
Loan Type
VAAdjust Your Scenario
$35,000
$35,000$263,263
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.68% (VA)
Blended Rate: 4.68%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,203/moAssumable @ 2.68% + gap loan
$3,522/moAssumed loan: $1,767/mo
Gap financing: $1,755/mo
$681less per month with the assumable
Your Savings on This Property
8230 Ogden, Littleton · 2.68% VA vs 6.5% conventional
$681
per month
$8,176
per year
$245,275
over 30 years
$245,275
interest saved
How gap financing works: The equity gap ($263,263) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($35,000, 5% of purchase price) and a second mortgage for the rest ($228,263 at 8.5%). 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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