Loan Comparison: 4.11% vs 6.5%
938 Wisteria, Loveland, CO 80538 · 4bd/4ba · $630,000
List Price
$630,000
Assumable Rate
4.11%
Remaining Balance
$162,499
Equity Gap
$466,281
Loan Type
VAAdjust Your Scenario
$31,500
$31,500$466,281
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.11% (VA)
Blended Rate: 7.31%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,783/moAssumable @ 4.11% + gap loan
$4,129/moAssumed loan: $786/mo
Gap financing: $3,343/mo
Your Savings on This Property
938 Wisteria, Loveland · 4.11% 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 ($466,281) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($31,500, 5% of purchase price) and a second mortgage for the rest ($434,781 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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