Loan Comparison: 3.07% vs 6.5%
7444 Primavera, Fountain, CO 80817 · 3bd/3ba · $420,000
List Price
$420,000
Assumable Rate
3.07%
Remaining Balance
$382,091
Equity Gap
$37,082
Loan Type
VAAdjust Your Scenario
$21,000
$21,000$37,082
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.07% (VA)
Blended Rate: 3.29%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,522/moAssumable @ 3.07% + gap loan
$1,749/moAssumed loan: $1,625/mo
Gap financing: $124/mo
$773less per month with the assumable
Your Savings on This Property
7444 Primavera, Fountain · 3.07% VA vs 6.5% conventional
$773
per month
$9,275
per year
$278,252
over 30 years
$277,425
interest saved
How gap financing works: The equity gap ($37,082) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($21,000, 5% of purchase price) and a second mortgage for the rest ($16,082 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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