Loan Comparison: 3.08% vs 6.5%
10813 White Sands Court, Peyton, CO 80831 · 4bd/3ba · $670,000
List Price
$670,000
Assumable Rate
3.08%
Remaining Balance
$416,609
Equity Gap
$253,391
Loan Type
VAAdjust Your Scenario
$33,500
$33,500$253,391
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.08% (VA)
Blended Rate: 4.61%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,023/moAssumable @ 3.08% + gap loan
$3,312/moAssumed loan: $1,774/mo
Gap financing: $1,538/mo
$711less per month with the assumable
Your Savings on This Property
10813 White Sands Court, Peyton · 3.08% VA vs 6.5% conventional
$711
per month
$8,534
per year
$256,009
over 30 years
$256,009
interest saved
How gap financing works: The equity gap ($253,391) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($33,500, 5% of purchase price) and a second mortgage for the rest ($219,891 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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