Loan Comparison: 3.07% vs 6.5%
5810 Julian, Littleton, CO 80123 · 3bd/2ba · $655,000
List Price
$655,000
Assumable Rate
3.07%
Remaining Balance
$440,311
Equity Gap
$214,688
Loan Type
VAAdjust Your Scenario
$32,750
$32,750$214,688
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.07% (VA)
Blended Rate: 4.66%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,933/moAssumable @ 3.07% + gap loan
$3,272/moAssumed loan: $1,873/mo
Gap financing: $1,399/mo
$661less per month with the assumable
Your Savings on This Property
5810 Julian, Littleton · 3.07% VA vs 6.5% conventional
$661
per month
$7,933
per year
$237,983
over 30 years
$237,982
interest saved
How gap financing works: The equity gap ($214,688) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($32,750, 5% of purchase price) and a second mortgage for the rest ($181,938 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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