Loan Comparison: 2.77% vs 6.5%
4980 Getaway, Berthoud, CO 80513 · 4bd/4ba · $2,850,000
List Price
$2,850,000
Assumable Rate
2.77%
Remaining Balance
$482,075
Equity Gap
$2,367,924
Loan Type
VAAdjust Your Scenario
$142,500
$142,500$2,367,924
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.77% (VA)
Blended Rate: 7.48%
Monthly Payment Comparison
New Conventional @ 6.5%
$17,113/moAssumable @ 2.77% + gap loan
$19,085/moAssumed loan: $1,973/mo
Gap financing: $17,112/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 ($2,367,924) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($142,500, 5% of purchase price) and a second mortgage for the rest ($2,225,424 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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