Loan Comparison: 2.74% vs 6.5%
7802 Berwyn, Peyton, CO 80831 · 4bd/3ba · $525,000
List Price
$525,000
Assumable Rate
2.74%
Remaining Balance
$365,681
Equity Gap
$159,318
Loan Type
VAAdjust Your Scenario
$26,250
$26,250$159,318
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.74% (VA)
Blended Rate: 4.28%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,152/moAssumable @ 2.74% + gap loan
$2,514/moAssumed loan: $1,491/mo
Gap financing: $1,023/mo
$638less per month with the assumable
Your Savings on This Property
7802 Berwyn, Peyton · 2.74% VA vs 6.5% conventional
$638
per month
$7,660
per year
$229,801
over 30 years
$229,800
interest saved
How gap financing works: The equity gap ($159,318) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($26,250, 5% of purchase price) and a second mortgage for the rest ($133,068 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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