Loan Comparison: 4.44% vs 6.5%
11256 Allendale, Peyton, CO 80831 · 4bd/4ba · $539,000
List Price
$539,000
Assumable Rate
4.44%
Remaining Balance
$311,260
Equity Gap
$227,049
Loan Type
VAAdjust Your Scenario
$26,950
$26,950$227,049
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.44% (VA)
Blended Rate: 6.03%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,237/moAssumable @ 4.44% + gap loan
$3,105/moAssumed loan: $1,566/mo
Gap financing: $1,539/mo
$132less per month with the assumable
Your Savings on This Property
11256 Allendale, Peyton · 4.44% VA vs 6.5% conventional
$132
per month
$1,583
per year
$47,478
over 30 years
$46,787
interest saved
How gap financing works: The equity gap ($227,049) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($26,950, 5% of purchase price) and a second mortgage for the rest ($200,099 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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