Loan Comparison: 3.45% vs 6.5%
12531 Stone Valley, Peyton, CO 80831 · 4bd/3ba · $550,000
List Price
$550,000
Assumable Rate
3.45%
Remaining Balance
$422,802
Equity Gap
$126,345
Loan Type
VAAdjust Your Scenario
$27,500
$27,500$126,345
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.45% (VA)
Blended Rate: 4.41%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,303/moAssumable @ 3.45% + gap loan
$2,647/moAssumed loan: $1,887/mo
Gap financing: $760/mo
$656less per month with the assumable
Your Savings on This Property
12531 Stone Valley, Peyton · 3.45% VA vs 6.5% conventional
$656
per month
$7,869
per year
$236,064
over 30 years
$235,211
interest saved
How gap financing works: The equity gap ($126,345) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($27,500, 5% of purchase price) and a second mortgage for the rest ($98,845 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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