Loan Comparison: 5.13% vs 6.5%
7701 Berwyn Loop, Peyton, CO 80831 · 5bd/3ba · $520,000
List Price
$520,000
Assumable Rate
5.13%
Remaining Balance
$423,344
Equity Gap
$96,656
Loan Type
VAAdjust Your Scenario
$26,000
$26,000$96,656
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.13% (VA)
Blended Rate: 5.47%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,122/moAssumable @ 5.13% + gap loan
$2,800/moAssumed loan: $2,306/mo
Gap financing: $494/mo
$322less per month with the assumable
Your Savings on This Property
7701 Berwyn Loop, Peyton · 5.13% VA vs 6.5% conventional
$322
per month
$3,864
per year
$115,928
over 30 years
$115,928
interest saved
How gap financing works: The equity gap ($96,656) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($26,000, 5% of purchase price) and a second mortgage for the rest ($70,656 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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