Loan Comparison: 4.52% vs 6.5%
18825 Pagentry, Monument, CO 80132 · 5bd/5ba · $1,324,987
List Price
$1,324,987
Assumable Rate
4.52%
Remaining Balance
$54,316
Equity Gap
$1,270,670
Loan Type
VAAdjust Your Scenario
$66,249
$66,249$1,270,670
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.52% (VA)
Blended Rate: 8.33%
Monthly Payment Comparison
New Conventional @ 6.5%
$7,956/moAssumable @ 4.52% + gap loan
$9,537/moAssumed loan: $276/mo
Gap financing: $9,261/mo
Your Savings on This Property
18825 Pagentry, Monument · 4.52% 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 ($1,270,670) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($66,249, 5% of purchase price) and a second mortgage for the rest ($1,204,421 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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