Loan Comparison: 2.68% vs 6.5%
8230 Ogden, Littleton, CO 80122 · 5bd/4ba · $670,000
List Price
$670,000
Assumable Rate
2.68%
Remaining Balance
$435,718
Equity Gap
$232,246
Loan Type
VAAdjust Your Scenario
$33,500
$33,500$232,246
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.68% (VA)
Blended Rate: 4.50%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,023/moAssumable @ 2.68% + gap loan
$3,291/moAssumed loan: $1,763/mo
Gap financing: $1,528/mo
$732less per month with the assumable
Your Savings on This Property
8230 Ogden, Littleton · 2.68% VA vs 6.5% conventional
$732
per month
$8,787
per year
$263,614
over 30 years
$261,578
interest saved
How gap financing works: The equity gap ($232,246) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($33,500, 5% of purchase price) and a second mortgage for the rest ($198,746 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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