Loan Comparison: 2.94% vs 6.5%
2200 Valley Forge Avenue, Fort Collins, CO 80526 · 4bd/3ba · $269,900
List Price
$269,900
Assumable Rate
2.94%
Remaining Balance
$197,802
Equity Gap
$72,097
Loan Type
VAAdjust Your Scenario
$13,495
$13,495$72,097
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.94% (VA)
Blended Rate: 3.98%
Monthly Payment Comparison
New Conventional @ 6.5%
$1,621/moAssumable @ 2.94% + gap loan
$1,237/moAssumed loan: $828/mo
Gap financing: $410/mo
$383less per month with the assumable
Your Savings on This Property
2200 Valley Forge Avenue, Fort Collins · 2.94% VA vs 6.5% conventional
$383
per month
$4,600
per year
$138,005
over 30 years
$138,004
interest saved
How gap financing works: The equity gap ($72,097) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($13,495, 5% of purchase price) and a second mortgage for the rest ($58,602 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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