Loan Comparison: 3.67% vs 6.5%
12210 Crystal Downs, Peyton, CO 80831 · 4bd/3ba · $519,900
List Price
$519,900
Assumable Rate
3.67%
Remaining Balance
$182,346
Equity Gap
$336,998
Loan Type
VAAdjust Your Scenario
$25,995
$25,995$336,998
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.67% (VA)
Blended Rate: 6.71%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,122/moAssumable @ 3.67% + gap loan
$3,228/moAssumed loan: $836/mo
Gap financing: $2,391/mo
Your Savings on This Property
12210 Crystal Downs, Peyton · 3.67% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($336,998) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($25,995, 5% of purchase price) and a second mortgage for the rest ($311,003 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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