Loan Comparison: 2.9% vs 6.5%
12726 Winding Glen Lane, Peyton, CO 80831 · 5bd/3ba · $430,000
List Price
$430,000
Assumable Rate
2.9%
Remaining Balance
$265,097
Equity Gap
$164,903
Loan Type
VAAdjust Your Scenario
$21,500
$21,500$164,903
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.9% (VA)
Blended Rate: 4.51%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,582/moAssumable @ 2.9% + gap loan
$2,106/moAssumed loan: $1,103/mo
Gap financing: $1,003/mo
$476less per month with the assumable
Your Savings on This Property
12726 Winding Glen Lane, Peyton · 2.9% VA vs 6.5% conventional
$476
per month
$5,711
per year
$171,320
over 30 years
$171,320
interest saved
How gap financing works: The equity gap ($164,903) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($21,500, 5% of purchase price) and a second mortgage for the rest ($143,403 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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