Loan Comparison: 6.32% vs 6.5%
11045 Rolling Mesa Drive, Peyton, CO 80831 · 3bd/3ba · $600,000
List Price
$600,000
Assumable Rate
6.32%
Remaining Balance
$563,011
Equity Gap
$36,989
Loan Type
VAAdjust Your Scenario
$30,000
$30,000$36,989
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 6.32% (VA)
Blended Rate: 6.33%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,603/moAssumable @ 6.32% + gap loan
$3,541/moAssumed loan: $3,492/mo
Gap financing: $49/mo
$62less per month with the assumable
Your Savings on This Property
11045 Rolling Mesa Drive, Peyton · 6.32% VA vs 6.5% conventional
$62
per month
$740
per year
$22,209
over 30 years
$22,209
interest saved
How gap financing works: The equity gap ($36,989) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($30,000, 5% of purchase price) and a second mortgage for the rest ($6,989 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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