Loan Comparison: 4.44% vs 6.5%
11256 Allendale, Peyton, CO 80831 · 4bd/4ba · $574,900
List Price
$574,900
Assumable Rate
4.44%
Remaining Balance
$312,639
Equity Gap
$262,949
Loan Type
VAAdjust Your Scenario
$28,745
$28,745$262,949
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.44% (VA)
Blended Rate: 6.18%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,452/moAssumable @ 4.44% + gap loan
$3,374/moAssumed loan: $1,573/mo
Gap financing: $1,801/mo
$78less per month with the assumable
Your Savings on This Property
11256 Allendale, Peyton · 4.44% VA vs 6.5% conventional
$78
per month
$939
per year
$28,179
over 30 years
$28,867
interest saved
How gap financing works: The equity gap ($262,949) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($28,745, 5% of purchase price) and a second mortgage for the rest ($234,204 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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