Loan Comparison: 3.7% vs 6.5%
7460 Wind Haven Trail, Fountain, CO 80817 · 6bd/4ba · $410,000
List Price
$410,000
Assumable Rate
3.7%
Remaining Balance
$175,580
Equity Gap
$234,419
Loan Type
VAAdjust Your Scenario
$20,500
$20,500$234,419
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.7% (VA)
Blended Rate: 5.79%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,462/moAssumable @ 3.7% + gap loan
$2,304/moAssumed loan: $808/mo
Gap financing: $1,496/mo
$158less per month with the assumable
Your Savings on This Property
7460 Wind Haven Trail, Fountain · 3.7% VA vs 6.5% conventional
$158
per month
$1,896
per year
$56,875
over 30 years
$56,874
interest saved
How gap financing works: The equity gap ($234,419) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($20,500, 5% of purchase price) and a second mortgage for the rest ($213,919 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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