Loan Comparison: 4.32% vs 6.5%
9395 Doe Creek Court, Peyton, CO 80831 · 4bd/3ba · $874,000
List Price
$874,000
Assumable Rate
4.32%
Remaining Balance
$468,700
Equity Gap
$405,299
Loan Type
VAAdjust Your Scenario
$43,700
$43,700$405,299
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.32% (VA)
Blended Rate: 5.70%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,248/moAssumable @ 4.32% + gap loan
$4,853/moAssumed loan: $2,325/mo
Gap financing: $2,528/mo
$395less per month with the assumable
Your Savings on This Property
9395 Doe Creek Court, Peyton · 4.32% VA vs 6.5% conventional
$395
per month
$4,737
per year
$142,106
over 30 years
$142,105
interest saved
How gap financing works: The equity gap ($405,299) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($43,700, 5% of purchase price) and a second mortgage for the rest ($361,599 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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