Loan Comparison: 2.74% vs 6.5%
4001 Royal, Fort Collins, CO 80526 · 4bd/3ba · $539,000
List Price
$539,000
Assumable Rate
2.74%
Remaining Balance
$192,439
Equity Gap
$368,731
Loan Type
VAAdjust Your Scenario
$26,950
$26,950$368,731
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.74% (VA)
Blended Rate: 6.43%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,237/moAssumable @ 2.74% + gap loan
$3,413/moAssumed loan: $785/mo
Gap financing: $2,628/mo
Your Savings on This Property
4001 Royal, Fort Collins · 2.74% 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 ($368,731) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($26,950, 5% of purchase price) and a second mortgage for the rest ($341,781 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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