Loan Comparison: 3.15% vs 6.5%
15820 Valdez Circle, Peyton, CO 80831 · 5bd/4ba · $647,000
List Price
$647,000
Assumable Rate
3.15%
Remaining Balance
$466,665
Equity Gap
$180,335
Loan Type
VAAdjust Your Scenario
$32,350
$32,350$180,335
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.15% (VA)
Blended Rate: 4.20%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,885/moAssumable @ 3.15% + gap loan
$3,040/moAssumed loan: $2,005/mo
Gap financing: $1,035/mo
$845less per month with the assumable
Your Savings on This Property
15820 Valdez Circle, Peyton · 3.15% VA vs 6.5% conventional
$845
per month
$10,138
per year
$304,143
over 30 years
$304,143
interest saved
How gap financing works: The equity gap ($180,335) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($32,350, 5% of purchase price) and a second mortgage for the rest ($147,985 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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