Loan Comparison: 3.08% vs 6.5%
4327 Fox Grove, Fort Collins, CO 80524 · 4bd/3ba · $549,000
List Price
$549,000
Assumable Rate
3.08%
Remaining Balance
$425,714
Equity Gap
$123,285
Loan Type
VAAdjust Your Scenario
$27,450
$27,450$123,285
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.08% (VA)
Blended Rate: 4.08%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,297/moAssumable @ 3.08% + gap loan
$2,550/moAssumed loan: $1,813/mo
Gap financing: $737/mo
$746less per month with the assumable
Your Savings on This Property
4327 Fox Grove, Fort Collins · 3.08% VA vs 6.5% conventional
$746
per month
$8,957
per year
$268,709
over 30 years
$268,708
interest saved
How gap financing works: The equity gap ($123,285) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($27,450, 5% of purchase price) and a second mortgage for the rest ($95,835 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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