Loan Comparison: 2.77% vs 6.5%
10732 Dumbarton, Littleton, CO 80127 · 4bd/3ba · $580,000
List Price
$580,000
Assumable Rate
2.77%
Remaining Balance
$181,064
Equity Gap
$398,935
Loan Type
VAAdjust Your Scenario
$29,000
$29,000$398,935
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.77% (VA)
Blended Rate: 6.62%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,483/moAssumable @ 2.77% + gap loan
$3,586/moAssumed loan: $741/mo
Gap financing: $2,844/mo
Your Savings on This Property
10732 Dumbarton, Littleton · 2.77% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($398,935) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($29,000, 5% of purchase price) and a second mortgage for the rest ($369,935 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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