Loan Comparison: 3.45% vs 6.5%
6856 Hidden Haven, Peyton, CO 80831 · 4bd/4ba · $545,000
List Price
$545,000
Assumable Rate
3.45%
Remaining Balance
$514,691
Equity Gap
$30,308
Loan Type
VAAdjust Your Scenario
$27,250
$27,250$30,308
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.45% (VA)
Blended Rate: 3.48%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,273/moAssumable @ 3.45% + gap loan
$2,320/moAssumed loan: $2,297/mo
Gap financing: $24/mo
$952less per month with the assumable
Your Savings on This Property
6856 Hidden Haven, Peyton · 3.45% VA vs 6.5% conventional
$952
per month
$11,426
per year
$342,780
over 30 years
$342,779
interest saved
How gap financing works: The equity gap ($30,308) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($27,250, 5% of purchase price) and a second mortgage for the rest ($3,058 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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