Loan Comparison: 3.76% vs 6.5%
6345 Naturita Trail, Colorado Springs, CO 80922 · 3bd/2ba · $449,900
List Price
$449,900
Assumable Rate
3.76%
Remaining Balance
$242,536
Equity Gap
$207,363
Loan Type
VAAdjust Your Scenario
$22,495
$22,495$207,363
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.76% (VA)
Blended Rate: 5.38%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,701/moAssumable @ 3.76% + gap loan
$2,417/moAssumed loan: $1,125/mo
Gap financing: $1,293/mo
$284less per month with the assumable
Your Savings on This Property
6345 Naturita Trail, Colorado Springs · 3.76% VA vs 6.5% conventional
$284
per month
$3,411
per year
$102,336
over 30 years
$102,335
interest saved
How gap financing works: The equity gap ($207,363) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($22,495, 5% of purchase price) and a second mortgage for the rest ($184,868 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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