Loan Comparison: 5.3% vs 6.5%
10240 Willowbridge, Littleton, CO 80126 · 4bd/4ba · $800,000
List Price
$800,000
Assumable Rate
5.3%
Remaining Balance
$461,370
Equity Gap
$365,307
Loan Type
VAAdjust Your Scenario
$40,000
$40,000$365,307
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.3% (VA)
Blended Rate: 6.62%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,804/moAssumable @ 5.3% + gap loan
$5,063/moAssumed loan: $2,562/mo
Gap financing: $2,501/mo
Your Savings on This Property
10240 Willowbridge, Littleton · 5.3% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($365,307) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($40,000, 5% of purchase price) and a second mortgage for the rest ($325,307 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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