Loan Comparison: 3.62% vs 6.5%
7460 Wind Haven, Fountain, CO 80817 · 3bd/3ba · $435,000
List Price
$435,000
Assumable Rate
3.62%
Remaining Balance
$176,456
Equity Gap
$258,544
Loan Type
VAAdjust Your Scenario
$21,750
$21,750$258,544
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.62% (VA)
Blended Rate: 6.42%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,612/moAssumable @ 3.62% + gap loan
$2,625/moAssumed loan: $804/mo
Gap financing: $1,821/mo
Your Savings on This Property
7460 Wind Haven, Fountain · 3.62% 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 ($258,544) 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 ($236,794 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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