Loan Comparison: 3.45% vs 6.5%
12171 Fox Brush, Peyton, CO 80831 · 5bd/4ba · $875,000
List Price
$875,000
Assumable Rate
3.45%
Remaining Balance
$594,396
Equity Gap
$280,603
Loan Type
VAAdjust Your Scenario
$43,750
$43,750$280,603
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.45% (VA)
Blended Rate: 4.89%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,254/moAssumable @ 3.45% + gap loan
$4,474/moAssumed loan: $2,653/mo
Gap financing: $1,821/mo
$780less per month with the assumable
Your Savings on This Property
12171 Fox Brush, Peyton · 3.45% VA vs 6.5% conventional
$780
per month
$9,364
per year
$280,919
over 30 years
$280,918
interest saved
How gap financing works: The equity gap ($280,603) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($43,750, 5% of purchase price) and a second mortgage for the rest ($236,853 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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