Loan Comparison: 6.34% vs 6.5%
12810 Windingwalk Drive, Peyton, CO 80831 · 4bd/5ba · $815,000
List Price
$815,000
Assumable Rate
6.34%
Remaining Balance
$702,373
Equity Gap
$112,626
Loan Type
VAAdjust Your Scenario
$40,750
$40,750$112,626
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 6.34% (VA)
Blended Rate: 6.45%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,894/moAssumable @ 6.34% + gap loan
$4,868/moAssumed loan: $4,366/mo
Gap financing: $503/mo
$25less per month with the assumable
Your Savings on This Property
12810 Windingwalk Drive, Peyton · 6.34% VA vs 6.5% conventional
$25
per month
$305
per year
$9,141
over 30 years
$9,140
interest saved
How gap financing works: The equity gap ($112,626) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($40,750, 5% of purchase price) and a second mortgage for the rest ($71,876 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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