Loan Comparison: 4.99% vs 6.5%
4609 Freehold, Windsor, CO 80550 · 4bd/3ba · $838,000
List Price
$838,000
Assumable Rate
4.99%
Remaining Balance
$748,154
Equity Gap
$89,845
Loan Type
VAAdjust Your Scenario
$41,900
$41,900$89,845
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.99% (VA)
Blended Rate: 5.20%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,032/moAssumable @ 4.99% + gap loan
$4,380/moAssumed loan: $4,012/mo
Gap financing: $369/mo
$652less per month with the assumable
Your Savings on This Property
4609 Freehold, Windsor · 4.99% VA vs 6.5% conventional
$652
per month
$7,819
per year
$234,560
over 30 years
$234,559
interest saved
How gap financing works: The equity gap ($89,845) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($41,900, 5% of purchase price) and a second mortgage for the rest ($47,945 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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