Loan Comparison: 2.5% vs 6.5%
4373 Jellison, Littleton, CO 80123 · 5bd/4ba · $825,000
List Price
$825,000
Assumable Rate
2.5%
Remaining Balance
$400,624
Equity Gap
$425,281
Loan Type
VAAdjust Your Scenario
$41,250
$41,250$425,281
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.5% (VA)
Blended Rate: 5.44%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,954/moAssumable @ 2.5% + gap loan
$4,536/moAssumed loan: $1,583/mo
Gap financing: $2,953/mo
$418less per month with the assumable
Your Savings on This Property
4373 Jellison, Littleton · 2.5% VA vs 6.5% conventional
$418
per month
$5,016
per year
$150,486
over 30 years
$151,391
interest saved
How gap financing works: The equity gap ($425,281) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($41,250, 5% of purchase price) and a second mortgage for the rest ($384,031 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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