Loan Comparison: 2.7% vs 6.5%
4035 Stonebridge Point, Colorado Springs, CO 80904 · 2bd/1ba · $964,900
List Price
$964,900
Assumable Rate
2.7%
Remaining Balance
$436,872
Equity Gap
$528,027
Loan Type
VAAdjust Your Scenario
$48,245
$48,245$528,027
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.7% (VA)
Blended Rate: 5.21%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,794/moAssumable @ 2.7% + gap loan
$5,127/moAssumed loan: $1,772/mo
Gap financing: $3,355/mo
$667less per month with the assumable
Your Savings on This Property
4035 Stonebridge Point, Colorado Springs · 2.7% VA vs 6.5% conventional
$667
per month
$8,007
per year
$240,205
over 30 years
$240,204
interest saved
How gap financing works: The equity gap ($528,027) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($48,245, 5% of purchase price) and a second mortgage for the rest ($479,782 at 7.5%). 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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