Loan Comparison: 2.77% vs 6.5%
11892 Royal County Down, Peyton, CO 80831 · 4bd/3ba · $630,000
List Price
$630,000
Assumable Rate
2.77%
Remaining Balance
$463,406
Equity Gap
$165,504
Loan Type
VAAdjust Your Scenario
$31,500
$31,500$165,504
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.77% (VA)
Blended Rate: 4.06%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,783/moAssumable @ 2.77% + gap loan
$2,927/moAssumed loan: $1,897/mo
Gap financing: $1,030/mo
$856less per month with the assumable
Your Savings on This Property
11892 Royal County Down, Peyton · 2.77% VA vs 6.5% conventional
$856
per month
$10,270
per year
$308,097
over 30 years
$307,007
interest saved
How gap financing works: The equity gap ($165,504) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($31,500, 5% of purchase price) and a second mortgage for the rest ($134,004 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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