Loan Comparison: 4.06% vs 6.5%
534 Blossom Field Road, Fountain, CO 80817 · 5bd/2ba · $330,000
List Price
$330,000
Assumable Rate
4.06%
Remaining Balance
$72,627
Equity Gap
$257,372
Loan Type
VAAdjust Your Scenario
$16,500
$16,500$257,372
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.06% (VA)
Blended Rate: 6.70%
Monthly Payment Comparison
New Conventional @ 6.5%
$1,982/moAssumable @ 4.06% + gap loan
$2,033/moAssumed loan: $349/mo
Gap financing: $1,684/mo
Your Savings on This Property
534 Blossom Field Road, Fountain · 4.06% 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 ($257,372) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($16,500, 5% of purchase price) and a second mortgage for the rest ($240,872 at 7.5%). 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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