Loan Comparison: 3.76% vs 6.5%
10089 Golf Crest, Peyton, CO 80831 · 4bd/4ba · $640,000
List Price
$640,000
Assumable Rate
3.76%
Remaining Balance
$585,630
Equity Gap
$54,369
Loan Type
VAAdjust Your Scenario
$32,000
$32,000$54,369
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.76% (VA)
Blended Rate: 3.93%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,843/moAssumable @ 3.76% + gap loan
$2,887/moAssumed loan: $2,715/mo
Gap financing: $172/mo
$956less per month with the assumable
Your Savings on This Property
10089 Golf Crest, Peyton · 3.76% VA vs 6.5% conventional
$956
per month
$11,466
per year
$343,983
over 30 years
$343,982
interest saved
How gap financing works: The equity gap ($54,369) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($32,000, 5% of purchase price) and a second mortgage for the rest ($22,369 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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