Loan Comparison: 2.77% vs 6.5%
11892 Royal County Down Road, Peyton, CO 80831 · 5bd/4ba · $630,000
List Price
$630,000
Assumable Rate
2.77%
Remaining Balance
$462,313
Equity Gap
$167,687
Loan Type
VAAdjust Your Scenario
$31,500
$31,500$167,687
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.77% (VA)
Blended Rate: 3.85%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,783/moAssumable @ 2.77% + gap loan
$2,844/moAssumed loan: $1,892/mo
Gap financing: $952/mo
$938less per month with the assumable
Your Savings on This Property
11892 Royal County Down Road, Peyton · 2.77% VA vs 6.5% conventional
$938
per month
$11,261
per year
$337,836
over 30 years
$337,836
interest saved
How gap financing works: The equity gap ($167,687) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($31,500, 5% of purchase price) and a second mortgage for the rest ($136,187 at 7.5%). 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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