Loan Comparison: 5.52% vs 6.5%
1699 Rivergate, Berthoud, CO 80513 · 4bd/3ba · $729,000
List Price
$729,000
Assumable Rate
5.52%
Remaining Balance
$615,436
Equity Gap
$114,415
Loan Type
VAAdjust Your Scenario
$36,450
$36,450$114,415
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.52% (VA)
Blended Rate: 5.86%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,377/moAssumable @ 5.52% + gap loan
$4,102/moAssumed loan: $3,502/mo
Gap financing: $599/mo
$276less per month with the assumable
Your Savings on This Property
1699 Rivergate, Berthoud · 5.52% VA vs 6.5% conventional
$276
per month
$3,310
per year
$99,288
over 30 years
$100,139
interest saved
How gap financing works: The equity gap ($114,415) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($36,450, 5% of purchase price) and a second mortgage for the rest ($77,965 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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