Loan Comparison: 4.27% vs 6.5%
9538 San Juan, Littleton, CO 80128 · 2bd/2ba · $364,999
List Price
$364,999
Assumable Rate
4.27%
Remaining Balance
$265,996
Equity Gap
$97,871
Loan Type
VAAdjust Your Scenario
$18,250
$18,250$97,871
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.27% (VA)
Blended Rate: 5.24%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,192/moAssumable @ 4.27% + gap loan
$1,924/moAssumed loan: $1,312/mo
Gap financing: $612/mo
$268less per month with the assumable
Your Savings on This Property
9538 San Juan, Littleton · 4.27% VA vs 6.5% conventional
$268
per month
$3,214
per year
$96,414
over 30 years
$95,282
interest saved
How gap financing works: The equity gap ($97,871) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($18,250, 5% of purchase price) and a second mortgage for the rest ($79,621 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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