Loan Comparison: 5.84% vs 6.5%
10877 Rolling Mesa, Peyton, CO 80831 · 4bd/5ba · $839,000
List Price
$839,000
Assumable Rate
5.84%
Remaining Balance
$719,163
Equity Gap
$118,017
Loan Type
VAAdjust Your Scenario
$41,950
$41,950$118,017
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.84% (VA)
Blended Rate: 6.09%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,038/moAssumable @ 5.84% + gap loan
$4,823/moAssumed loan: $4,238/mo
Gap financing: $585/mo
$215less per month with the assumable
Your Savings on This Property
10877 Rolling Mesa, Peyton · 5.84% VA vs 6.5% conventional
$215
per month
$2,580
per year
$77,386
over 30 years
$75,566
interest saved
How gap financing works: The equity gap ($118,017) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($41,950, 5% of purchase price) and a second mortgage for the rest ($76,067 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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