Loan Comparison: 2.69% vs 6.5%
6508 Dahlia, Centennial, CO 80121 · 3bd/1ba · $459,000
List Price
$459,000
Assumable Rate
2.69%
Remaining Balance
$219,344
Equity Gap
$239,656
Loan Type
VAAdjust Your Scenario
$22,950
$22,950$239,656
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.69% (VA)
Blended Rate: 5.58%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,756/moAssumable @ 2.69% + gap loan
$2,555/moAssumed loan: $888/mo
Gap financing: $1,666/mo
$201less per month with the assumable
Your Savings on This Property
6508 Dahlia, Centennial · 2.69% VA vs 6.5% conventional
$201
per month
$2,416
per year
$72,487
over 30 years
$72,487
interest saved
How gap financing works: The equity gap ($239,656) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($22,950, 5% of purchase price) and a second mortgage for the rest ($216,706 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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