Loan Comparison: 2.86% vs 6.5%
8170 Valli-Farm Road, Fountain, CO 80925 · 5bd/3ba · $960,000
List Price
$960,000
Assumable Rate
2.86%
Remaining Balance
$616,532
Equity Gap
$343,467
Loan Type
VAAdjust Your Scenario
$48,000
$48,000$343,467
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.86% (VA)
Blended Rate: 4.36%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,764/moAssumable @ 2.86% + gap loan
$4,619/moAssumed loan: $2,553/mo
Gap financing: $2,066/mo
$1,146less per month with the assumable
Your Savings on This Property
8170 Valli-Farm Road, Fountain · 2.86% VA vs 6.5% conventional
$1,146
per month
$13,746
per year
$412,383
over 30 years
$412,382
interest saved
How gap financing works: The equity gap ($343,467) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($48,000, 5% of purchase price) and a second mortgage for the rest ($295,467 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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