Loan Comparison: 3.14% vs 6.5%
12956 Casa De Campo Road, Peyton, CO 80831 · 3bd/3ba · $419,999
List Price
$419,999
Assumable Rate
3.14%
Remaining Balance
$377,624
Equity Gap
$42,375
Loan Type
VAAdjust Your Scenario
$21,000
$21,000$42,375
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.14% (VA)
Blended Rate: 3.37%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,522/moAssumable @ 3.14% + gap loan
$1,770/moAssumed loan: $1,621/mo
Gap financing: $149/mo
$752less per month with the assumable
Your Savings on This Property
12956 Casa De Campo Road, Peyton · 3.14% VA vs 6.5% conventional
$752
per month
$9,021
per year
$270,632
over 30 years
$270,632
interest saved
How gap financing works: The equity gap ($42,375) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($21,000, 5% of purchase price) and a second mortgage for the rest ($21,375 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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