Loan Comparison: 3.55% vs 6.5%
2135 Bent Tree Lane, Fountain, CO 80817 · 3bd/2ba · $465,000
List Price
$465,000
Assumable Rate
3.55%
Remaining Balance
$390,238
Equity Gap
$74,761
Loan Type
VAAdjust Your Scenario
$23,250
$23,250$74,761
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.55% (VA)
Blended Rate: 4.01%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,792/moAssumable @ 3.55% + gap loan
$2,123/moAssumed loan: $1,763/mo
Gap financing: $360/mo
$669less per month with the assumable
Your Savings on This Property
2135 Bent Tree Lane, Fountain · 3.55% VA vs 6.5% conventional
$669
per month
$8,025
per year
$240,745
over 30 years
$240,744
interest saved
How gap financing works: The equity gap ($74,761) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($23,250, 5% of purchase price) and a second mortgage for the rest ($51,511 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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