Loan Comparison: 5.38% vs 6.5%
17895 County Road 3, Berthoud, CO 80513 · 4bd/2ba · $2,200,000
List Price
$2,200,000
Assumable Rate
5.38%
Remaining Balance
$157,490
Equity Gap
$2,042,510
Loan Type
VAAdjust Your Scenario
$110,000
$110,000$2,042,510
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.38% (VA)
Blended Rate: 7.34%
Monthly Payment Comparison
New Conventional @ 6.5%
$13,210/moAssumable @ 5.38% + gap loan
$14,395/moAssumed loan: $882/mo
Gap financing: $13,512/mo
Your Savings on This Property
17895 County Road 3, Berthoud · 5.38% 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 ($2,042,510) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($110,000, 5% of purchase price) and a second mortgage for the rest ($1,932,510 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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