Loan Comparison: 3.61% vs 6.5%
2025 Cheyenne, Loveland, CO 80538 · 3bd/2ba · $435,000
List Price
$435,000
Assumable Rate
3.61%
Remaining Balance
$274,678
Equity Gap
$161,545
Loan Type
VAAdjust Your Scenario
$21,750
$21,750$161,545
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.61% (VA)
Blended Rate: 5.26%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,612/moAssumable @ 3.61% + gap loan
$2,325/moAssumed loan: $1,250/mo
Gap financing: $1,075/mo
$287less per month with the assumable
Your Savings on This Property
2025 Cheyenne, Loveland · 3.61% VA vs 6.5% conventional
$287
per month
$3,441
per year
$103,235
over 30 years
$104,458
interest saved
How gap financing works: The equity gap ($161,545) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($21,750, 5% of purchase price) and a second mortgage for the rest ($139,795 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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