Loan Comparison: 3.06% vs 6.5%
9525 Bar B, Fountain, CO 80817 · 4bd/2ba · $385,000
List Price
$385,000
Assumable Rate
3.06%
Remaining Balance
$336,648
Equity Gap
$49,086
Loan Type
VAAdjust Your Scenario
$19,250
$19,250$49,086
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.06% (VA)
Blended Rate: 3.50%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,312/moAssumable @ 3.06% + gap loan
$1,660/moAssumed loan: $1,430/mo
Gap financing: $229/mo
$652less per month with the assumable
Your Savings on This Property
9525 Bar B, Fountain · 3.06% VA vs 6.5% conventional
$652
per month
$7,826
per year
$234,769
over 30 years
$235,503
interest saved
How gap financing works: The equity gap ($49,086) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($19,250, 5% of purchase price) and a second mortgage for the rest ($29,836 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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