Loan Comparison: 2.77% vs 6.5%
9979 Rose Leaf, Colorado Springs, CO 80920 · 5bd/5ba · $689,900
List Price
$689,900
Assumable Rate
2.77%
Remaining Balance
$596,326
Equity Gap
$93,573
Loan Type
VAAdjust Your Scenario
$34,495
$34,495$93,573
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.77% (VA)
Blended Rate: 3.29%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,143/moAssumable @ 2.77% + gap loan
$2,895/moAssumed loan: $2,441/mo
Gap financing: $454/mo
$1,248less per month with the assumable
Your Savings on This Property
9979 Rose Leaf, Colorado Springs · 2.77% VA vs 6.5% conventional
$1,248
per month
$14,971
per year
$449,128
over 30 years
$449,127
interest saved
How gap financing works: The equity gap ($93,573) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($34,495, 5% of purchase price) and a second mortgage for the rest ($59,078 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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