Loan Comparison: 4.75% vs 6.5%
9833 Marble Canyon Way, Peyton, CO 80831 · 6bd/6ba · $569,999
List Price
$569,999
Assumable Rate
4.75%
Remaining Balance
$527,253
Equity Gap
$42,745
Loan Type
VAAdjust Your Scenario
$28,500
$28,500$42,745
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.75% (VA)
Blended Rate: 4.82%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,423/moAssumable @ 4.75% + gap loan
$2,850/moAssumed loan: $2,750/mo
Gap financing: $100/mo
$573less per month with the assumable
Your Savings on This Property
9833 Marble Canyon Way, Peyton · 4.75% VA vs 6.5% conventional
$573
per month
$6,872
per year
$206,150
over 30 years
$206,149
interest saved
How gap financing works: The equity gap ($42,745) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($28,500, 5% of purchase price) and a second mortgage for the rest ($14,245 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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