Loan Comparison: 2.77% vs 6.5%
11522 Moonrock Heights, Peyton, CO 80831 · 5bd/4ba · $385,000
List Price
$385,000
Assumable Rate
2.77%
Remaining Balance
$267,835
Equity Gap
$117,165
Loan Type
VAAdjust Your Scenario
$19,250
$19,250$117,165
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.77% (VA)
Blended Rate: 4.04%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,312/moAssumable @ 2.77% + gap loan
$1,781/moAssumed loan: $1,096/mo
Gap financing: $685/mo
$531less per month with the assumable
Your Savings on This Property
11522 Moonrock Heights, Peyton · 2.77% VA vs 6.5% conventional
$531
per month
$6,371
per year
$191,124
over 30 years
$191,124
interest saved
How gap financing works: The equity gap ($117,165) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($19,250, 5% of purchase price) and a second mortgage for the rest ($97,915 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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