Loan Comparison: 6.33% vs 6.5%
10877 Rolling Mesa Drive, Peyton, CO 80831 · 4bd/4ba · $799,900
List Price
$799,900
Assumable Rate
6.33%
Remaining Balance
$717,393
Equity Gap
$82,506
Loan Type
VAAdjust Your Scenario
$39,995
$39,995$82,506
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 6.33% (VA)
Blended Rate: 6.40%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,803/moAssumable @ 6.33% + gap loan
$4,752/moAssumed loan: $4,455/mo
Gap financing: $297/mo
$51less per month with the assumable
Your Savings on This Property
10877 Rolling Mesa Drive, Peyton · 6.33% VA vs 6.5% conventional
$51
per month
$616
per year
$18,492
over 30 years
$18,491
interest saved
How gap financing works: The equity gap ($82,506) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($39,995, 5% of purchase price) and a second mortgage for the rest ($42,511 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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