Loan Comparison: 2.81% vs 6.5%
9437 Beryl, Peyton, CO 80831 · 4bd/3ba · $480,000
List Price
$480,000
Assumable Rate
2.81%
Remaining Balance
$374,779
Equity Gap
$105,221
Loan Type
VAAdjust Your Scenario
$24,000
$24,000$105,221
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.81% (VA)
Blended Rate: 3.82%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,882/moAssumable @ 2.81% + gap loan
$2,166/moAssumed loan: $1,542/mo
Gap financing: $625/mo
$716less per month with the assumable
Your Savings on This Property
9437 Beryl, Peyton · 2.81% VA vs 6.5% conventional
$716
per month
$8,589
per year
$257,678
over 30 years
$257,678
interest saved
How gap financing works: The equity gap ($105,221) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($24,000, 5% of purchase price) and a second mortgage for the rest ($81,221 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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