Loan Comparison: 2.68% vs 6.5%
7945 Allott Avenue, Fort Collins, CO 80525 · 4bd/3ba · $769,000
List Price
$769,000
Assumable Rate
2.68%
Remaining Balance
$439,000
Equity Gap
$330,000
Loan Type
VAAdjust Your Scenario
$38,450
$38,450$330,000
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.68% (VA)
Blended Rate: 4.60%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,618/moAssumable @ 2.68% + gap loan
$3,815/moAssumed loan: $1,776/mo
Gap financing: $2,039/mo
$803less per month with the assumable
Your Savings on This Property
7945 Allott Avenue, Fort Collins · 2.68% VA vs 6.5% conventional
$803
per month
$9,637
per year
$289,105
over 30 years
$289,105
interest saved
How gap financing works: The equity gap ($330,000) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($38,450, 5% of purchase price) and a second mortgage for the rest ($291,550 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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