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
$554,957
Equity Gap
$70,043
Loan Type
VAAdjust Your Scenario
$31,250
$31,250$70,043
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.98% (VA)
Blended Rate: 5.21%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,753/moAssumable @ 4.98% + gap loan
$3,271/moAssumed loan: $2,972/mo
Gap financing: $298/mo
$482less per month with the assumable
Your Savings on This Property
10522 Rolling Peaks, Peyton · 4.98% VA vs 6.5% conventional
$482
per month
$5,787
per year
$173,617
over 30 years
$173,617
interest saved
How gap financing works: The equity gap ($70,043) 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 ($38,793 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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