Loan Comparison: 2.68% vs 6.5%
9967 Keating, Peyton, CO 80831 · 5bd/3ba · $657,000
List Price
$657,000
Assumable Rate
2.68%
Remaining Balance
$273,523
Equity Gap
$384,755
Loan Type
VAAdjust Your Scenario
$32,850
$32,850$384,755
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.68% (VA)
Blended Rate: 5.95%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,945/moAssumable @ 2.68% + gap loan
$3,812/moAssumed loan: $1,107/mo
Gap financing: $2,706/mo
$133less per month with the assumable
Your Savings on This Property
9967 Keating, Peyton · 2.68% VA vs 6.5% conventional
$133
per month
$1,592
per year
$47,768
over 30 years
$49,046
interest saved
How gap financing works: The equity gap ($384,755) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($32,850, 5% of purchase price) and a second mortgage for the rest ($351,905 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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