Loan Comparison: 4.19% vs 6.5%
7286 Brush Hollow, Fountain, CO 80817 · 3bd/3ba · $397,000
List Price
$397,000
Assumable Rate
4.19%
Remaining Balance
$145,829
Equity Gap
$251,170
Loan Type
VAAdjust Your Scenario
$19,850
$19,850$251,170
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.19% (VA)
Blended Rate: 6.83%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,384/moAssumable @ 4.19% + gap loan
$2,491/moAssumed loan: $712/mo
Gap financing: $1,779/mo
Your Savings on This Property
7286 Brush Hollow, Fountain · 4.19% 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 ($251,170) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($19,850, 5% of purchase price) and a second mortgage for the rest ($231,320 at 8.5%). 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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