Loan Comparison: 2.94% vs 6.5%
2200 Valley Forge, Fort Collins, CO 80526 · 2bd/1ba · $279,000
List Price
$279,000
Assumable Rate
2.94%
Remaining Balance
$199,196
Equity Gap
$79,804
Loan Type
VAAdjust Your Scenario
$13,950
$13,950$79,804
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.94% (VA)
Blended Rate: 4.32%
Monthly Payment Comparison
New Conventional @ 6.5%
$1,675/moAssumable @ 2.94% + gap loan
$1,340/moAssumed loan: $833/mo
Gap financing: $506/mo
$336less per month with the assumable
Your Savings on This Property
2200 Valley Forge, Fort Collins · 2.94% VA vs 6.5% conventional
$336
per month
$4,027
per year
$120,798
over 30 years
$120,798
interest saved
How gap financing works: The equity gap ($79,804) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($13,950, 5% of purchase price) and a second mortgage for the rest ($65,854 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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