Loan Comparison: 3.45% vs 6.5%
10110 Moorcroft, Peyton, CO 80831 · 5bd/3ba · $525,000
List Price
$525,000
Assumable Rate
3.45%
Remaining Balance
$411,010
Equity Gap
$202,656
Loan Type
VAAdjust Your Scenario
$26,250
$26,250$202,656
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.45% (VA)
Blended Rate: 4.97%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,152/moAssumable @ 3.45% + gap loan
$3,191/moAssumed loan: $1,834/mo
Gap financing: $1,356/mo
Your Savings on This Property
10110 Moorcroft, Peyton · 3.45% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$74,937
interest saved
How gap financing works: The equity gap ($202,656) 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 ($176,406 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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