Loan Comparison: 2.77% vs 6.5%
4980 Getaway, Berthoud, CO 80513 · 4bd/4ba · $2,799,000
List Price
$2,799,000
Assumable Rate
2.77%
Remaining Balance
$480,959
Equity Gap
$2,316,924
Loan Type
VAAdjust Your Scenario
$139,950
$139,950$2,316,924
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.77% (VA)
Blended Rate: 7.46%
Monthly Payment Comparison
New Conventional @ 6.5%
$16,807/moAssumable @ 2.77% + gap loan
$18,708/moAssumed loan: $1,969/mo
Gap financing: $16,739/mo
Your Savings on This Property
4980 Getaway, Berthoud · 2.77% 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 ($2,316,924) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($139,950, 5% of purchase price) and a second mortgage for the rest ($2,176,974 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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