Loan Comparison: 2.66% vs 6.5%
10932 Huron Peak, Peyton, CO 80831 · 5bd/3ba · $605,000
List Price
$605,000
Assumable Rate
2.66%
Remaining Balance
$50,105
Equity Gap
$549,708
Loan Type
VAAdjust Your Scenario
$30,250
$30,250$549,708
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.66% (VA)
Blended Rate: 7.99%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,633/moAssumable @ 2.66% + gap loan
$4,196/moAssumed loan: $202/mo
Gap financing: $3,994/mo
Your Savings on This Property
10932 Huron Peak, Peyton · 2.66% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($549,708) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($30,250, 5% of purchase price) and a second mortgage for the rest ($519,458 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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