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
$427,577
Equity Gap
$122,353
Loan Type
VAAdjust Your Scenario
$27,450
$27,450$122,353
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.08% (VA)
Blended Rate: 4.06%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,297/moAssumable @ 3.08% + gap loan
$2,551/moAssumed loan: $1,821/mo
Gap financing: $730/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
$8,948
per year
$268,433
over 30 years
$269,363
interest saved
How gap financing works: The equity gap ($122,353) 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 ($94,903 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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