Loan Comparison: 6.3% vs 6.5%
12029 Eagle Crest Court, Peyton, CO 80831 · 4bd/3ba · $444,900
List Price
$444,900
Assumable Rate
6.3%
Remaining Balance
$396,148
Equity Gap
$48,751
Loan Type
VAAdjust Your Scenario
$22,245
$22,245$48,751
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 6.3% (VA)
Blended Rate: 6.38%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,671/moAssumable @ 6.3% + gap loan
$2,637/moAssumed loan: $2,452/mo
Gap financing: $185/mo
$34less per month with the assumable
Your Savings on This Property
12029 Eagle Crest Court, Peyton · 6.3% VA vs 6.5% conventional
$34
per month
$409
per year
$12,271
over 30 years
$12,270
interest saved
How gap financing works: The equity gap ($48,751) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($22,245, 5% of purchase price) and a second mortgage for the rest ($26,506 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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