Loan Comparison: 3.45% vs 6.5%
12531 Stone Valley Drive, Peyton, CO 80831 · 4bd/3ba · $480,000
List Price
$480,000
Assumable Rate
3.45%
Remaining Balance
$422,801
Equity Gap
$57,198
Loan Type
VAAdjust Your Scenario
$24,000
$24,000$57,198
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.45% (VA)
Blended Rate: 3.74%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,882/moAssumable @ 3.45% + gap loan
$2,119/moAssumed loan: $1,887/mo
Gap financing: $232/mo
$763less per month with the assumable
Your Savings on This Property
12531 Stone Valley Drive, Peyton · 3.45% VA vs 6.5% conventional
$763
per month
$9,160
per year
$274,795
over 30 years
$274,794
interest saved
How gap financing works: The equity gap ($57,198) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($24,000, 5% of purchase price) and a second mortgage for the rest ($33,198 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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