Loan Comparison: 3.34% vs 6.5%
3043 White Oak, Littleton, CO 80129 · 4bd/4ba · $650,000
List Price
$650,000
Assumable Rate
3.34%
Remaining Balance
$517,848
Equity Gap
$189,685
Loan Type
VAAdjust Your Scenario
$32,500
$32,500$189,685
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.34% (VA)
Blended Rate: 4.54%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,903/moAssumable @ 3.34% + gap loan
$3,488/moAssumed loan: $2,279/mo
Gap financing: $1,209/mo
$415less per month with the assumable
Your Savings on This Property
3043 White Oak, Littleton · 3.34% VA vs 6.5% conventional
$415
per month
$4,980
per year
$149,414
over 30 years
$206,947
interest saved
How gap financing works: The equity gap ($189,685) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($32,500, 5% of purchase price) and a second mortgage for the rest ($157,185 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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