Loan Comparison: 2.84% vs 6.5%
9495 Pony Gulch, Colorado Springs, CO 80925 · 3bd/3ba · $410,000
List Price
$410,000
Assumable Rate
2.84%
Remaining Balance
$383,166
Equity Gap
$26,833
Loan Type
VAAdjust Your Scenario
$20,500
$20,500$26,833
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.84% (VA)
Blended Rate: 2.93%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,462/moAssumable @ 2.84% + gap loan
$1,631/moAssumed loan: $1,583/mo
Gap financing: $49/mo
$831less per month with the assumable
Your Savings on This Property
9495 Pony Gulch, Colorado Springs · 2.84% VA vs 6.5% conventional
$831
per month
$9,968
per year
$299,031
over 30 years
$299,030
interest saved
How gap financing works: The equity gap ($26,833) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($20,500, 5% of purchase price) and a second mortgage for the rest ($6,333 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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