Loan Comparison: 2.52% vs 6.5%
5854 Quail, Littleton, CO 80127 · 4bd/4ba · $675,000
List Price
$675,000
Assumable Rate
2.52%
Remaining Balance
$198,882
Equity Gap
$476,117
Loan Type
VAAdjust Your Scenario
$33,750
$33,750$476,117
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.52% (VA)
Blended Rate: 6.65%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,053/moAssumable @ 2.52% + gap loan
$4,189/moAssumed loan: $788/mo
Gap financing: $3,401/mo
Your Savings on This Property
5854 Quail, Littleton · 2.52% 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 ($476,117) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($33,750, 5% of purchase price) and a second mortgage for the rest ($442,367 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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