Loan Comparison: 2.5% vs 6.5%
4825 Ammons, Littleton, CO 80123 · 4bd/3ba · $519,900
List Price
$519,900
Assumable Rate
2.5%
Remaining Balance
$332,172
Equity Gap
$186,959
Loan Type
VAAdjust Your Scenario
$25,995
$25,995$186,959
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.5% (VA)
Blended Rate: 4.46%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,122/moAssumable @ 2.5% + gap loan
$2,550/moAssumed loan: $1,312/mo
Gap financing: $1,238/mo
$572less per month with the assumable
Your Savings on This Property
4825 Ammons, Littleton · 2.5% VA vs 6.5% conventional
$572
per month
$6,860
per year
$205,798
over 30 years
$205,029
interest saved
How gap financing works: The equity gap ($186,959) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($25,995, 5% of purchase price) and a second mortgage for the rest ($160,964 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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