Loan Comparison: 2.84% vs 6.5%
9188 Sunningdale, Peyton, CO 80831 · 5bd/4ba · $559,000
List Price
$559,000
Assumable Rate
2.84%
Remaining Balance
$306,183
Equity Gap
$250,787
Loan Type
VAAdjust Your Scenario
$27,950
$27,950$250,787
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.84% (VA)
Blended Rate: 5.22%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,357/moAssumable @ 2.84% + gap loan
$2,978/moAssumed loan: $1,265/mo
Gap financing: $1,713/mo
$379less per month with the assumable
Your Savings on This Property
9188 Sunningdale, Peyton · 2.84% VA vs 6.5% conventional
$379
per month
$4,543
per year
$136,283
over 30 years
$134,253
interest saved
How gap financing works: The equity gap ($250,787) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($27,950, 5% of purchase price) and a second mortgage for the rest ($222,837 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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