Loan Comparison: 2.94% vs 6.5%
2200 Valley Forge, Fort Collins, CO 80526 · 2bd/1ba · $275,000
List Price
$275,000
Assumable Rate
2.94%
Remaining Balance
$198,268
Equity Gap
$75,804
Loan Type
VAAdjust Your Scenario
$13,750
$13,750$75,804
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.94% (VA)
Blended Rate: 4.27%
Monthly Payment Comparison
New Conventional @ 6.5%
$1,651/moAssumable @ 2.94% + gap loan
$1,307/moAssumed loan: $830/mo
Gap financing: $477/mo
$345less per month with the assumable
Your Savings on This Property
2200 Valley Forge, Fort Collins · 2.94% VA vs 6.5% conventional
$345
per month
$4,136
per year
$124,068
over 30 years
$123,140
interest saved
How gap financing works: The equity gap ($75,804) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($13,750, 5% of purchase price) and a second mortgage for the rest ($62,054 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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