Loan Comparison: 3.31% vs 6.5%
9902 Emerald Vista, Peyton, CO 80831 · 5bd/3ba · $510,000
List Price
$510,000
Assumable Rate
3.31%
Remaining Balance
$403,388
Equity Gap
$207,286
Loan Type
VAAdjust Your Scenario
$25,500
$25,500$207,286
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.31% (VA)
Blended Rate: 4.92%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,062/moAssumable @ 3.31% + gap loan
$3,167/moAssumed loan: $1,769/mo
Gap financing: $1,398/mo
Your Savings on This Property
9902 Emerald Vista, Peyton · 3.31% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$63,130
interest saved
How gap financing works: The equity gap ($207,286) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($25,500, 5% of purchase price) and a second mortgage for the rest ($181,786 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.
🏠
Back to This Listing
View photos, details, and request a showing for 9902 Emerald Vista.
View Listing Details📈
Interested in This Home?
Get full loan details and schedule a showing. Free, no obligation.