Loan Comparison: 4.11% vs 6.5%
938 Wisteria, Loveland, CO 80538 · 4bd/4ba · $650,000
List Price
$650,000
Assumable Rate
4.11%
Remaining Balance
$163,110
Equity Gap
$486,890
Loan Type
VAAdjust Your Scenario
$32,500
$32,500$486,890
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.11% (VA)
Blended Rate: 7.34%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,903/moAssumable @ 4.11% + gap loan
$4,283/moAssumed loan: $789/mo
Gap financing: $3,494/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 ($486,890) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($32,500, 5% of purchase price) and a second mortgage for the rest ($454,390 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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