Loan Comparison: 3.56% vs 6.5%
12519 Mt Antero Drive, Peyton, CO 80831 · 5bd/3ba · $565,000
List Price
$565,000
Assumable Rate
3.56%
Remaining Balance
$535,732
Equity Gap
$29,268
Loan Type
VAAdjust Your Scenario
$28,250
$28,250$29,268
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.56% (VA)
Blended Rate: 3.57%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,393/moAssumable @ 3.56% + gap loan
$2,431/moAssumed loan: $2,424/mo
Gap financing: $7/mo
$962less per month with the assumable
Your Savings on This Property
12519 Mt Antero Drive, Peyton · 3.56% VA vs 6.5% conventional
$962
per month
$11,542
per year
$346,267
over 30 years
$346,267
interest saved
How gap financing works: The equity gap ($29,268) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($28,250, 5% of purchase price) and a second mortgage for the rest ($1,018 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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