Loan Comparison: 6.7% vs 6.5%
2071 Calle Fontana NA, Fountain, CO 80817 · 5bd/4ba · $399,000
List Price
$399,000
Assumable Rate
6.7%
Remaining Balance
$360,776
Equity Gap
$38,223
Loan Type
VAAdjust Your Scenario
$19,950
$19,950$38,223
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 6.7% (VA)
Blended Rate: 6.74%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,396/moAssumable @ 6.7% + gap loan
$2,456/moAssumed loan: $2,328/mo
Gap financing: $128/mo
Your Savings on This Property
2071 Calle Fontana NA, Fountain · 6.7% 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 ($38,223) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($19,950, 5% of purchase price) and a second mortgage for the rest ($18,273 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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