Loan Comparison: 3.06% vs 6.5%
27875 County Farm, Pueblo, CO 81006 · 4bd/4ba · $749,999
List Price
$749,999
Assumable Rate
3.06%
Remaining Balance
$358,917
Equity Gap
$391,082
Loan Type
VAAdjust Your Scenario
$37,500
$37,500$391,082
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.06% (VA)
Blended Rate: 5.76%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,503/moAssumable @ 3.06% + gap loan
$4,244/moAssumed loan: $1,525/mo
Gap financing: $2,719/mo
$260less per month with the assumable
Your Savings on This Property
27875 County Farm, Pueblo · 3.06% VA vs 6.5% conventional
$260
per month
$3,119
per year
$93,561
over 30 years
$93,561
interest saved
How gap financing works: The equity gap ($391,082) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($37,500, 5% of purchase price) and a second mortgage for the rest ($353,582 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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