Loan Comparison: 3.21% vs 6.5%
5256 Dorado, Littleton, CO 80123 · 6bd/6ba · $2,450,000
List Price
$2,450,000
Assumable Rate
3.21%
Remaining Balance
$1,942,666
Equity Gap
$693,764
Loan Type
VAAdjust Your Scenario
$122,500
$122,500$693,764
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.21% (VA)
Blended Rate: 4.41%
Monthly Payment Comparison
New Conventional @ 6.5%
$14,711/moAssumable @ 3.21% + gap loan
$12,805/moAssumed loan: $8,412/mo
Gap financing: $4,393/mo
$1,907less per month with the assumable
Your Savings on This Property
5256 Dorado, Littleton · 3.21% VA vs 6.5% conventional
$1,907
per month
$22,882
per year
$686,463
over 30 years
$872,893
interest saved
How gap financing works: The equity gap ($693,764) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($122,500, 5% of purchase price) and a second mortgage for the rest ($571,264 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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