Loan Comparison: 3.54% vs 6.5%
10932 Huron Peak Place, Peyton, CO 80831 · 4bd/4ba · $589,500
List Price
$589,500
Assumable Rate
3.54%
Remaining Balance
$43,611
Equity Gap
$545,888
Loan Type
VAAdjust Your Scenario
$29,475
$29,475$545,888
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.54% (VA)
Blended Rate: 7.19%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,540/moAssumable @ 3.54% + gap loan
$3,808/moAssumed loan: $197/mo
Gap financing: $3,611/mo
Your Savings on This Property
10932 Huron Peak Place, Peyton · 3.54% 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 ($545,888) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($29,475, 5% of purchase price) and a second mortgage for the rest ($516,413 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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