Loan Comparison: 3.77% vs 6.5%
7425 Twin Valley, Colorado Springs, CO 80925 · 4bd/3ba · $414,900
List Price
$414,900
Assumable Rate
3.77%
Remaining Balance
$266,742
Equity Gap
$148,158
Loan Type
VAAdjust Your Scenario
$20,745
$20,745$148,158
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.77% (VA)
Blended Rate: 5.30%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,491/moAssumable @ 3.77% + gap loan
$2,218/moAssumed loan: $1,238/mo
Gap financing: $980/mo
$273less per month with the assumable
Your Savings on This Property
7425 Twin Valley, Colorado Springs · 3.77% VA vs 6.5% conventional
$273
per month
$3,279
per year
$98,380
over 30 years
$98,380
interest saved
How gap financing works: The equity gap ($148,158) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($20,745, 5% of purchase price) and a second mortgage for the rest ($127,413 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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