Loan Comparison: 5.7% vs 6.5%
10055 Henman, Peyton, CO 80831 · 6bd/4ba · $749,999
List Price
$749,999
Assumable Rate
5.7%
Remaining Balance
$712,332
Equity Gap
$37,666
Loan Type
VAAdjust Your Scenario
$37,500
$37,500$37,666
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.7% (VA)
Blended Rate: 5.70%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,503/moAssumable @ 5.7% + gap loan
$4,136/moAssumed loan: $4,134/mo
Gap financing: $1/mo
$368less per month with the assumable
Your Savings on This Property
10055 Henman, Peyton · 5.7% VA vs 6.5% conventional
$368
per month
$4,414
per year
$132,417
over 30 years
$132,416
interest saved
How gap financing works: The equity gap ($37,666) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($37,500, 5% of purchase price) and a second mortgage for the rest ($166 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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