Loan Comparison: 4.48% vs 6.5%
4350 Reginold, Colorado Springs, CO 80906 · 5bd/4ba · $950,000
List Price
$950,000
Assumable Rate
4.48%
Remaining Balance
$861,942
Equity Gap
$88,058
Loan Type
VAAdjust Your Scenario
$47,500
$47,500$88,058
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.48% (VA)
Blended Rate: 4.66%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,704/moAssumable @ 4.48% + gap loan
$4,669/moAssumed loan: $4,357/mo
Gap financing: $312/mo
$1,035less per month with the assumable
Your Savings on This Property
4350 Reginold, Colorado Springs · 4.48% VA vs 6.5% conventional
$1,035
per month
$12,426
per year
$372,766
over 30 years
$372,766
interest saved
How gap financing works: The equity gap ($88,058) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($47,500, 5% of purchase price) and a second mortgage for the rest ($40,558 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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