Loan Comparison: 6.23% vs 6.5%
3045 Trilby Road, Fort Collins, CO 80528 · 3bd/3ba · $528,900
List Price
$528,900
Assumable Rate
6.23%
Remaining Balance
$383,765
Equity Gap
$145,135
Loan Type
VAAdjust Your Scenario
$26,445
$26,445$145,135
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 6.23% (VA)
Blended Rate: 6.53%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,176/moAssumable @ 6.23% + gap loan
$3,188/moAssumed loan: $2,358/mo
Gap financing: $830/mo
Your Savings on This Property
3045 Trilby Road, Fort Collins · 6.23% 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 ($145,135) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($26,445, 5% of purchase price) and a second mortgage for the rest ($118,690 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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