Loan Comparison: 3.27% vs 6.5%
10033 Pinedale, Colorado Springs, CO 80920 · 5bd/3ba · $749,900
List Price
$749,900
Assumable Rate
3.27%
Remaining Balance
$484,256
Equity Gap
$265,643
Loan Type
VAAdjust Your Scenario
$37,495
$37,495$265,643
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.27% (VA)
Blended Rate: 4.94%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,503/moAssumable @ 3.27% + gap loan
$3,867/moAssumed loan: $2,113/mo
Gap financing: $1,754/mo
$636less per month with the assumable
Your Savings on This Property
10033 Pinedale, Colorado Springs · 3.27% VA vs 6.5% conventional
$636
per month
$7,629
per year
$228,885
over 30 years
$228,884
interest saved
How gap financing works: The equity gap ($265,643) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($37,495, 5% of purchase price) and a second mortgage for the rest ($228,148 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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