Loan Comparison: 2.68% vs 6.5%
7945 Allott, Fort Collins, CO 80525 · 6bd/4ba · $789,000
List Price
$789,000
Assumable Rate
2.68%
Remaining Balance
$444,230
Equity Gap
$344,770
Loan Type
VAAdjust Your Scenario
$39,450
$39,450$344,770
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.68% (VA)
Blended Rate: 5.05%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,738/moAssumable @ 2.68% + gap loan
$4,145/moAssumed loan: $1,797/mo
Gap financing: $2,348/mo
$593less per month with the assumable
Your Savings on This Property
7945 Allott, Fort Collins · 2.68% VA vs 6.5% conventional
$593
per month
$7,115
per year
$213,451
over 30 years
$213,451
interest saved
How gap financing works: The equity gap ($344,770) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($39,450, 5% of purchase price) and a second mortgage for the rest ($305,320 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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