Loan Comparison: 3.61% vs 6.5%

8287 Loganberry, Colorado Springs, CO 80927 · 4bd/4ba · $570,000

List Price
$570,000
Assumable Rate
3.61%
Remaining Balance
$356,557
Equity Gap
$313,443
Loan Type
VA

Adjust Your Scenario

$28,500
$28,500$313,443
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.61% (VA)
Blended Rate: 5.78%

Monthly Payment Comparison

New Conventional @ 6.5%
$3,423/mo
Assumable @ 3.61% + gap loan
$3,814/mo
Assumed loan: $1,623/mo
Gap financing: $2,191/mo

Your Savings on This Property

8287 Loganberry, Colorado Springs · 3.61% 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 ($313,443) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($28,500, 5% of purchase price) and a second mortgage for the rest ($284,943 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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