Loan Comparison: 2.69% vs 6.5%
6508 Dahlia, Centennial, CO 80121 · 3bd/1ba · $465,000
List Price
$465,000
Assumable Rate
2.69%
Remaining Balance
$314,316
Equity Gap
$245,134
Loan Type
VAAdjust Your Scenario
$23,250
$23,250$245,134
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.69% (VA)
Blended Rate: 5.09%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,792/moAssumable @ 2.69% + gap loan
$2,979/moAssumed loan: $1,273/mo
Gap financing: $1,706/mo
Your Savings on This Property
6508 Dahlia, Centennial · 2.69% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$27,081
interest saved
How gap financing works: The equity gap ($245,134) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($23,250, 5% of purchase price) and a second mortgage for the rest ($221,884 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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