Loan Comparison: 4.98% vs 6.5%
9791 Arbor Walk, Peyton, CO 80831 · 5bd/3ba · $599,000
List Price
$599,000
Assumable Rate
4.98%
Remaining Balance
$591,000
Equity Gap
$40,629
Loan Type
VAAdjust Your Scenario
$29,950
$29,950$40,629
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.98% (VA)
Blended Rate: 5.04%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,597/moAssumable @ 4.98% + gap loan
$3,248/moAssumed loan: $3,165/mo
Gap financing: $82/mo
$349less per month with the assumable
Your Savings on This Property
9791 Arbor Walk, Peyton · 4.98% VA vs 6.5% conventional
$349
per month
$4,191
per year
$125,739
over 30 years
$158,368
interest saved
How gap financing works: The equity gap ($40,629) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($29,950, 5% of purchase price) and a second mortgage for the rest ($10,679 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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