Loan Comparison: 4.98% vs 6.5%
10522 Rolling Peaks, Peyton, CO 80831 · 5bd/3ba · $625,000
List Price
$625,000
Assumable Rate
4.98%
Remaining Balance
$555,816
Equity Gap
$69,184
Loan Type
VAAdjust Your Scenario
$31,250
$31,250$69,184
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.98% (VA)
Blended Rate: 5.20%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,753/moAssumable @ 4.98% + gap loan
$3,269/moAssumed loan: $2,977/mo
Gap financing: $292/mo
$484less per month with the assumable
Your Savings on This Property
10522 Rolling Peaks, Peyton · 4.98% VA vs 6.5% conventional
$484
per month
$5,811
per year
$174,339
over 30 years
$174,339
interest saved
How gap financing works: The equity gap ($69,184) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($31,250, 5% of purchase price) and a second mortgage for the rest ($37,934 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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