Loan Comparison: 3.92% vs 6.5%
3524 Dilley, Johnstown, CO 80534 · 4bd/3ba · $579,900
List Price
$579,900
Assumable Rate
3.92%
Remaining Balance
$307,401
Equity Gap
$273,234
Loan Type
VAAdjust Your Scenario
$28,995
$28,995$273,234
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.92% (VA)
Blended Rate: 5.95%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,482/moAssumable @ 3.92% + gap loan
$3,331/moAssumed loan: $1,453/mo
Gap financing: $1,878/mo
$151less per month with the assumable
Your Savings on This Property
3524 Dilley, Johnstown · 3.92% VA vs 6.5% conventional
$151
per month
$1,808
per year
$54,241
over 30 years
$54,976
interest saved
How gap financing works: The equity gap ($273,234) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($28,995, 5% of purchase price) and a second mortgage for the rest ($244,239 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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