Loan Comparison: 6.81% vs 6.5%
13470 Valley Peak Drive, Peyton, CO 80831 · 4bd/4ba · $519,900
List Price
$519,900
Assumable Rate
6.81%
Remaining Balance
$491,754
Equity Gap
$28,146
Loan Type
VAAdjust Your Scenario
$25,995
$25,995$28,146
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 6.81% (VA)
Blended Rate: 6.81%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,122/moAssumable @ 6.81% + gap loan
$3,224/moAssumed loan: $3,209/mo
Gap financing: $15/mo
Your Savings on This Property
13470 Valley Peak Drive, Peyton · 6.81% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($28,146) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($25,995, 5% of purchase price) and a second mortgage for the rest ($2,151 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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