Loan Comparison: 2.83% vs 6.5%
47 Golden Eagle, Littleton, CO 80127 · 5bd/5ba · $1,995,000
List Price
$1,995,000
Assumable Rate
2.83%
Remaining Balance
$739,735
Equity Gap
$1,253,562
Loan Type
VAAdjust Your Scenario
$99,750
$99,750$1,253,562
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.83% (VA)
Blended Rate: 6.28%
Monthly Payment Comparison
New Conventional @ 6.5%
$11,979/moAssumable @ 2.83% + gap loan
$11,923/moAssumed loan: $3,051/mo
Gap financing: $8,872/mo
$56less per month with the assumable
Your Savings on This Property
47 Golden Eagle, Littleton · 2.83% VA vs 6.5% conventional
$56
per month
$673
per year
$20,201
over 30 years
$18,498
interest saved
How gap financing works: The equity gap ($1,253,562) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($99,750, 5% of purchase price) and a second mortgage for the rest ($1,153,812 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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