Loan Comparison: 2.79% vs 6.5%
1018 Gabriella, Berthoud, CO 80513 · 5bd/4ba · $785,000
List Price
$785,000
Assumable Rate
2.79%
Remaining Balance
$573,454
Equity Gap
$211,545
Loan Type
VAAdjust Your Scenario
$39,250
$39,250$211,545
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.79% (VA)
Blended Rate: 4.11%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,714/moAssumable @ 2.79% + gap loan
$3,678/moAssumed loan: $2,353/mo
Gap financing: $1,325/mo
$1,036less per month with the assumable
Your Savings on This Property
1018 Gabriella, Berthoud · 2.79% VA vs 6.5% conventional
$1,036
per month
$12,427
per year
$372,818
over 30 years
$372,817
interest saved
How gap financing works: The equity gap ($211,545) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($39,250, 5% of purchase price) and a second mortgage for the rest ($172,295 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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