Loan Comparison: 2.74% vs 6.5%
9539 Wind River, Fountain, CO 80817 · 3bd/3ba · $399,900
List Price
$399,900
Assumable Rate
2.74%
Remaining Balance
$203,974
Equity Gap
$195,926
Loan Type
VAAdjust Your Scenario
$19,995
$19,995$195,926
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.74% (VA)
Blended Rate: 5.41%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,401/moAssumable @ 2.74% + gap loan
$2,184/moAssumed loan: $832/mo
Gap financing: $1,353/mo
$217less per month with the assumable
Your Savings on This Property
9539 Wind River, Fountain · 2.74% VA vs 6.5% conventional
$217
per month
$2,602
per year
$78,075
over 30 years
$78,075
interest saved
How gap financing works: The equity gap ($195,926) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($19,995, 5% of purchase price) and a second mortgage for the rest ($175,931 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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