Loan Comparison: 3.76% vs 6.5%
6345 Naturita, Colorado Springs, CO 80922 · 5bd/3ba · $465,000
List Price
$465,000
Assumable Rate
3.76%
Remaining Balance
$243,469
Equity Gap
$221,530
Loan Type
VAAdjust Your Scenario
$23,250
$23,250$221,530
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.76% (VA)
Blended Rate: 5.89%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,792/moAssumable @ 3.76% + gap loan
$2,654/moAssumed loan: $1,129/mo
Gap financing: $1,525/mo
$139less per month with the assumable
Your Savings on This Property
6345 Naturita, Colorado Springs · 3.76% VA vs 6.5% conventional
$139
per month
$1,664
per year
$49,908
over 30 years
$49,907
interest saved
How gap financing works: The equity gap ($221,530) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($23,250, 5% of purchase price) and a second mortgage for the rest ($198,280 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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