Loan Comparison: 4.99% vs 6.5%
19125 Baskerville, Monument, CO 80132 · 5bd/4ba · $1,155,000
List Price
$1,155,000
Assumable Rate
4.99%
Remaining Balance
$845,802
Equity Gap
$309,198
Loan Type
VAAdjust Your Scenario
$57,750
$57,750$309,198
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.99% (VA)
Blended Rate: 5.79%
Monthly Payment Comparison
New Conventional @ 6.5%
$6,935/moAssumable @ 4.99% + gap loan
$6,469/moAssumed loan: $4,535/mo
Gap financing: $1,933/mo
$467less per month with the assumable
Your Savings on This Property
19125 Baskerville, Monument · 4.99% VA vs 6.5% conventional
$467
per month
$5,600
per year
$168,001
over 30 years
$168,001
interest saved
How gap financing works: The equity gap ($309,198) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($57,750, 5% of purchase price) and a second mortgage for the rest ($251,448 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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