Loan Comparison: 4.27% vs 6.5%
9538 San Juan, Littleton, CO 80128 · 2bd/2ba · $385,000
List Price
$385,000
Assumable Rate
4.27%
Remaining Balance
$267,127
Equity Gap
$117,872
Loan Type
VAAdjust Your Scenario
$19,250
$19,250$117,872
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.27% (VA)
Blended Rate: 5.41%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,312/moAssumable @ 4.27% + gap loan
$2,076/moAssumed loan: $1,317/mo
Gap financing: $758/mo
$236less per month with the assumable
Your Savings on This Property
9538 San Juan, Littleton · 4.27% VA vs 6.5% conventional
$236
per month
$2,835
per year
$85,045
over 30 years
$85,044
interest saved
How gap financing works: The equity gap ($117,872) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($19,250, 5% of purchase price) and a second mortgage for the rest ($98,622 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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