Loan Comparison: 3.5% vs 6.5%
10562 Rolling Peaks, Peyton, CO 80831 · 4bd/3ba · $549,900
List Price
$549,900
Assumable Rate
3.5%
Remaining Balance
$475,534
Equity Gap
$74,366
Loan Type
VAAdjust Your Scenario
$27,495
$27,495$74,366
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.5% (VA)
Blended Rate: 3.95%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,302/moAssumable @ 3.5% + gap loan
$2,496/moAssumed loan: $2,135/mo
Gap financing: $360/mo
$806less per month with the assumable
Your Savings on This Property
10562 Rolling Peaks, Peyton · 3.5% VA vs 6.5% conventional
$806
per month
$9,674
per year
$290,231
over 30 years
$290,231
interest saved
How gap financing works: The equity gap ($74,366) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($27,495, 5% of purchase price) and a second mortgage for the rest ($46,871 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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