Loan Comparison: 2.71% vs 6.5%
9095 Kingston Heath, Peyton, CO 80831 · 4bd/3ba · $530,000
List Price
$530,000
Assumable Rate
2.71%
Remaining Balance
$392,823
Equity Gap
$186,702
Loan Type
VAAdjust Your Scenario
$26,500
$26,500$186,702
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.71% (VA)
Blended Rate: 4.39%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,182/moAssumable @ 2.71% + gap loan
$2,827/moAssumed loan: $1,595/mo
Gap financing: $1,232/mo
$355less per month with the assumable
Your Savings on This Property
9095 Kingston Heath, Peyton · 2.71% VA vs 6.5% conventional
$355
per month
$4,264
per year
$127,906
over 30 years
$177,431
interest saved
How gap financing works: The equity gap ($186,702) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($26,500, 5% of purchase price) and a second mortgage for the rest ($160,202 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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