Loan Comparison: 5.84% vs 6.5%
4358 Hinsdale, Littleton, CO 80128 · 6bd/5ba · $1,800,000
List Price
$1,800,000
Assumable Rate
5.84%
Remaining Balance
$1,486,107
Equity Gap
$315,763
Loan Type
VAAdjust Your Scenario
$90,000
$90,000$315,763
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.84% (VA)
Blended Rate: 6.19%
Monthly Payment Comparison
New Conventional @ 6.5%
$10,808/moAssumable @ 5.84% + gap loan
$10,494/moAssumed loan: $8,758/mo
Gap financing: $1,736/mo
$315less per month with the assumable
Your Savings on This Property
4358 Hinsdale, Littleton · 5.84% VA vs 6.5% conventional
$315
per month
$3,777
per year
$113,318
over 30 years
$115,188
interest saved
How gap financing works: The equity gap ($315,763) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($90,000, 5% of purchase price) and a second mortgage for the rest ($225,763 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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