Loan Comparison: 2.76% vs 6.5%
6273 Marshall, Littleton, CO 80123 · 4bd/3ba · $680,000
List Price
$680,000
Assumable Rate
2.76%
Remaining Balance
$559,965
Equity Gap
$116,263
Loan Type
VAAdjust Your Scenario
$34,000
$34,000$116,263
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.76% (VA)
Blended Rate: 3.50%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,083/moAssumable @ 2.76% + gap loan
$2,922/moAssumed loan: $2,289/mo
Gap financing: $633/mo
$1,162less per month with the assumable
Your Savings on This Property
6273 Marshall, Littleton · 2.76% VA vs 6.5% conventional
$1,162
per month
$13,940
per year
$418,195
over 30 years
$414,423
interest saved
How gap financing works: The equity gap ($116,263) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($34,000, 5% of purchase price) and a second mortgage for the rest ($82,263 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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