Loan Comparison: 2.74% vs 6.5%
9127 Oakmont, Peyton, CO 80831 · 5bd/4ba · $535,000
List Price
$535,000
Assumable Rate
2.74%
Remaining Balance
$338,162
Equity Gap
$196,837
Loan Type
VAAdjust Your Scenario
$26,750
$26,750$196,837
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.74% (VA)
Blended Rate: 4.67%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,212/moAssumable @ 2.74% + gap loan
$2,687/moAssumed loan: $1,379/mo
Gap financing: $1,308/mo
$526less per month with the assumable
Your Savings on This Property
9127 Oakmont, Peyton · 2.74% VA vs 6.5% conventional
$526
per month
$6,311
per year
$189,338
over 30 years
$189,337
interest saved
How gap financing works: The equity gap ($196,837) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($26,750, 5% of purchase price) and a second mortgage for the rest ($170,087 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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