Loan Comparison: 4.75% vs 6.5%
9833 Marble Canyon, Peyton, CO 80831 · 4bd/4ba · $624,999
List Price
$624,999
Assumable Rate
4.75%
Remaining Balance
$528,622
Equity Gap
$96,377
Loan Type
VAAdjust Your Scenario
$31,250
$31,250$96,377
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.75% (VA)
Blended Rate: 5.16%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,753/moAssumable @ 4.75% + gap loan
$3,258/moAssumed loan: $2,758/mo
Gap financing: $501/mo
$495less per month with the assumable
Your Savings on This Property
9833 Marble Canyon, Peyton · 4.75% VA vs 6.5% conventional
$495
per month
$5,935
per year
$178,051
over 30 years
$178,051
interest saved
How gap financing works: The equity gap ($96,377) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($31,250, 5% of purchase price) and a second mortgage for the rest ($65,127 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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