Loan Comparison: 3.76% vs 6.5%
6345 Naturita Trail, Colorado Springs, CO 80922 · 3bd/1ba · $465,000
List Price
$465,000
Assumable Rate
3.76%
Remaining Balance
$243,003
Equity Gap
$221,996
Loan Type
VAAdjust Your Scenario
$23,250
$23,250$221,996
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.76% (VA)
Blended Rate: 5.44%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,792/moAssumable @ 3.76% + gap loan
$2,516/moAssumed loan: $1,127/mo
Gap financing: $1,390/mo
$276less per month with the assumable
Your Savings on This Property
6345 Naturita Trail, Colorado Springs · 3.76% VA vs 6.5% conventional
$276
per month
$3,309
per year
$99,265
over 30 years
$99,264
interest saved
How gap financing works: The equity gap ($221,996) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($23,250, 5% of purchase price) and a second mortgage for the rest ($198,746 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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