Loan Comparison: 2.89% vs 6.5%
5850 Curtice, Littleton, CO 80120 · 2bd/1ba · $619,000
List Price
$619,000
Assumable Rate
2.89%
Remaining Balance
$218,637
Equity Gap
$469,015
Loan Type
VAAdjust Your Scenario
$30,950
$30,950$469,015
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.89% (VA)
Blended Rate: 6.63%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,717/moAssumable @ 2.89% + gap loan
$4,277/moAssumed loan: $909/mo
Gap financing: $3,368/mo
Your Savings on This Property
5850 Curtice, Littleton · 2.89% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($469,015) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($30,950, 5% of purchase price) and a second mortgage for the rest ($438,065 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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