Loan Comparison: 2.79% vs 6.5%
1018 Gabriella, Berthoud, CO 80513 · 5bd/4ba · $772,000
List Price
$772,000
Assumable Rate
2.79%
Remaining Balance
$572,166
Equity Gap
$195,978
Loan Type
VAAdjust Your Scenario
$38,600
$38,600$195,978
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.79% (VA)
Blended Rate: 4.02%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,636/moAssumable @ 2.79% + gap loan
$3,558/moAssumed loan: $2,348/mo
Gap financing: $1,210/mo
$1,078less per month with the assumable
Your Savings on This Property
1018 Gabriella, Berthoud · 2.79% VA vs 6.5% conventional
$1,078
per month
$12,930
per year
$387,910
over 30 years
$384,054
interest saved
How gap financing works: The equity gap ($195,978) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($38,600, 5% of purchase price) and a second mortgage for the rest ($157,378 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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