Loan Comparison: 2.79% vs 6.5%
9122 Rio Lado, Littleton, CO 80125 · 3bd/2ba · $655,000
List Price
$655,000
Assumable Rate
2.79%
Remaining Balance
$531,807
Equity Gap
$121,991
Loan Type
VAAdjust Your Scenario
$32,750
$32,750$121,991
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.79% (VA)
Blended Rate: 3.61%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,933/moAssumable @ 2.79% + gap loan
$2,869/moAssumed loan: $2,182/mo
Gap financing: $686/mo
$1,065less per month with the assumable
Your Savings on This Property
9122 Rio Lado, Littleton · 2.79% VA vs 6.5% conventional
$1,065
per month
$12,774
per year
$383,226
over 30 years
$382,024
interest saved
How gap financing works: The equity gap ($121,991) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($32,750, 5% of purchase price) and a second mortgage for the rest ($89,241 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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