Loan Comparison: 3.9% vs 6.5%
18825 Pagentry Place, Monument, CO 80132 · 4bd/3ba · $1,250,000
List Price
$1,250,000
Assumable Rate
3.9%
Remaining Balance
$33,018
Equity Gap
$1,216,981
Loan Type
VAAdjust Your Scenario
$62,500
$62,500$1,216,981
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.9% (VA)
Blended Rate: 7.40%
Monthly Payment Comparison
New Conventional @ 6.5%
$7,506/moAssumable @ 3.9% + gap loan
$8,228/moAssumed loan: $156/mo
Gap financing: $8,072/mo
Your Savings on This Property
18825 Pagentry Place, Monument · 3.9% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($1,216,981) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($62,500, 5% of purchase price) and a second mortgage for the rest ($1,154,481 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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