Loan Comparison: 3.91% vs 6.5%
7895 Antelope Meadows Circle, Peyton, CO 80831 · 5bd/3ba · $579,000
List Price
$579,000
Assumable Rate
3.91%
Remaining Balance
$279,743
Equity Gap
$299,256
Loan Type
VAAdjust Your Scenario
$28,950
$28,950$299,256
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.91% (VA)
Blended Rate: 5.67%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,477/moAssumable @ 3.91% + gap loan
$3,211/moAssumed loan: $1,321/mo
Gap financing: $1,890/mo
$266less per month with the assumable
Your Savings on This Property
7895 Antelope Meadows Circle, Peyton · 3.91% VA vs 6.5% conventional
$266
per month
$3,187
per year
$95,619
over 30 years
$95,618
interest saved
How gap financing works: The equity gap ($299,256) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($28,950, 5% of purchase price) and a second mortgage for the rest ($270,306 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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