Loan Comparison: 2.77% vs 6.5%
11522 Moonrock, Peyton, CO 80831 · 3bd/3ba · $412,000
List Price
$412,000
Assumable Rate
2.77%
Remaining Balance
$281,001
Equity Gap
$141,629
Loan Type
VAAdjust Your Scenario
$20,600
$20,600$141,629
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.77% (VA)
Blended Rate: 4.49%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,474/moAssumable @ 2.77% + gap loan
$2,081/moAssumed loan: $1,150/mo
Gap financing: $931/mo
$393less per month with the assumable
Your Savings on This Property
11522 Moonrock, Peyton · 2.77% VA vs 6.5% conventional
$393
per month
$4,718
per year
$141,539
over 30 years
$152,169
interest saved
How gap financing works: The equity gap ($141,629) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($20,600, 5% of purchase price) and a second mortgage for the rest ($121,029 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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