Loan Comparison: 2.77% vs 6.5%
11522 Moonrock, Peyton, CO 80831 · 3bd/3ba · $395,000
List Price
$395,000
Assumable Rate
2.77%
Remaining Balance
$269,739
Equity Gap
$124,629
Loan Type
VAAdjust Your Scenario
$19,750
$19,750$124,629
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.77% (VA)
Blended Rate: 4.37%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,372/moAssumable @ 2.77% + gap loan
$1,910/moAssumed loan: $1,104/mo
Gap financing: $806/mo
$461less per month with the assumable
Your Savings on This Property
11522 Moonrock, Peyton · 2.77% VA vs 6.5% conventional
$461
per month
$5,536
per year
$166,090
over 30 years
$165,458
interest saved
How gap financing works: The equity gap ($124,629) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($19,750, 5% of purchase price) and a second mortgage for the rest ($104,879 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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