Loan Comparison: 4.75% vs 6.5%
5411 Tulim, Windsor, CO 80528 · 4bd/2ba · $549,000
List Price
$549,000
Assumable Rate
4.75%
Remaining Balance
$514,865
Equity Gap
$34,134
Loan Type
VAAdjust Your Scenario
$27,450
$27,450$34,134
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.75% (VA)
Blended Rate: 4.80%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,297/moAssumable @ 4.75% + gap loan
$2,737/moAssumed loan: $2,686/mo
Gap financing: $51/mo
$559less per month with the assumable
Your Savings on This Property
5411 Tulim, Windsor · 4.75% VA vs 6.5% conventional
$559
per month
$6,713
per year
$201,376
over 30 years
$201,375
interest saved
How gap financing works: The equity gap ($34,134) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($27,450, 5% of purchase price) and a second mortgage for the rest ($6,684 at 8.5%). 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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