Loan Comparison: 5.78% vs 6.5%

9931 Antelope Ravine, Colorado Springs, CO 80908 · 4bd/4ba · $785,000

List Price
$785,000
Assumable Rate
5.78%
Remaining Balance
$666,559
Equity Gap
$154,842
Loan Type
VA

Adjust Your Scenario

$39,250
$39,250$154,842
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.78% (VA)
Blended Rate: 6.18%

Monthly Payment Comparison

New Conventional @ 6.5%
$4,714/mo
Assumable @ 5.78% + gap loan
$4,791/mo
Assumed loan: $3,903/mo
Gap financing: $889/mo

Your Savings on This Property

9931 Antelope Ravine, Colorado Springs · 5.78% VA vs 6.5% conventional

$0
per month
$0
per year
$0
over 30 years
$8,420
interest saved
How gap financing works: The equity gap ($154,842) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($39,250, 5% of purchase price) and a second mortgage for the rest ($115,592 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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