Loan Comparison: 2.39% vs 6.5%
433 Bow Creek, Fort Collins, CO 80525 · 3bd/3ba · $575,000
List Price
$575,000
Assumable Rate
2.39%
Remaining Balance
$165,494
Equity Gap
$409,105
Loan Type
VAAdjust Your Scenario
$28,750
$28,750$409,105
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.39% (VA)
Blended Rate: 6.65%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,453/moAssumable @ 2.39% + gap loan
$3,569/moAssumed loan: $644/mo
Gap financing: $2,925/mo
Your Savings on This Property
433 Bow Creek, Fort Collins · 2.39% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($409,105) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($28,750, 5% of purchase price) and a second mortgage for the rest ($380,355 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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