Loan Comparison: 3.34% vs 6.5%
8435 Falcon Meadow, Peyton, CO 80831 · 5bd/4ba · $915,000
List Price
$915,000
Assumable Rate
3.34%
Remaining Balance
$502,493
Equity Gap
$412,506
Loan Type
VAAdjust Your Scenario
$45,750
$45,750$412,506
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.34% (VA)
Blended Rate: 5.52%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,494/moAssumable @ 3.34% + gap loan
$5,032/moAssumed loan: $2,212/mo
Gap financing: $2,820/mo
$462less per month with the assumable
Your Savings on This Property
8435 Falcon Meadow, Peyton · 3.34% VA vs 6.5% conventional
$462
per month
$5,549
per year
$166,477
over 30 years
$166,476
interest saved
How gap financing works: The equity gap ($412,506) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($45,750, 5% of purchase price) and a second mortgage for the rest ($366,756 at 8.5%). 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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