Loan Comparison: 4.82% vs 6.5%
2716 San Cristobal Court, Timnath, CO 80547 · 4bd/4ba · $725,000
List Price
$725,000
Assumable Rate
4.82%
Remaining Balance
$610,440
Equity Gap
$114,560
Loan Type
VAAdjust Your Scenario
$36,250
$36,250$114,560
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.82% (VA)
Blended Rate: 5.12%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,353/moAssumable @ 4.82% + gap loan
$3,758/moAssumed loan: $3,210/mo
Gap financing: $548/mo
$596less per month with the assumable
Your Savings on This Property
2716 San Cristobal Court, Timnath · 4.82% VA vs 6.5% conventional
$596
per month
$7,148
per year
$214,439
over 30 years
$214,439
interest saved
How gap financing works: The equity gap ($114,560) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($36,250, 5% of purchase price) and a second mortgage for the rest ($78,310 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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