Loan Comparison: 3.08% vs 6.5%
20201 Royal Troon, Monument, CO 80132 · 3bd/3ba · $965,000
List Price
$965,000
Assumable Rate
3.08%
Remaining Balance
$360,314
Equity Gap
$604,686
Loan Type
VAAdjust Your Scenario
$48,250
$48,250$604,686
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.08% (VA)
Blended Rate: 6.37%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,794/moAssumable @ 3.08% + gap loan
$5,813/moAssumed loan: $1,535/mo
Gap financing: $4,279/mo
Your Savings on This Property
20201 Royal Troon, Monument · 3.08% 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 ($604,686) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($48,250, 5% of purchase price) and a second mortgage for the rest ($556,436 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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