Loan Comparison: 2.71% vs 6.5%
9095 Kingston Heath Road, Peyton, CO 80831 · 5bd/4ba · $530,000
List Price
$530,000
Assumable Rate
2.71%
Remaining Balance
$342,477
Equity Gap
$187,522
Loan Type
VAAdjust Your Scenario
$26,500
$26,500$187,522
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.71% (VA)
Blended Rate: 4.24%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,182/moAssumable @ 2.71% + gap loan
$2,517/moAssumed loan: $1,391/mo
Gap financing: $1,126/mo
$666less per month with the assumable
Your Savings on This Property
9095 Kingston Heath Road, Peyton · 2.71% VA vs 6.5% conventional
$666
per month
$7,988
per year
$239,647
over 30 years
$239,646
interest saved
How gap financing works: The equity gap ($187,522) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($26,500, 5% of purchase price) and a second mortgage for the rest ($161,022 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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