Loan Comparison: 5.55% vs 6.5%
10578 Rolling Peaks, Peyton, CO 80831 · 4bd/4ba · $530,000
List Price
$530,000
Assumable Rate
5.55%
Remaining Balance
$503,480
Equity Gap
$53,760
Loan Type
VAAdjust Your Scenario
$26,500
$26,500$53,760
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.55% (VA)
Blended Rate: 5.70%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,182/moAssumable @ 5.55% + gap loan
$3,084/moAssumed loan: $2,875/mo
Gap financing: $210/mo
$98less per month with the assumable
Your Savings on This Property
10578 Rolling Peaks, Peyton · 5.55% VA vs 6.5% conventional
$98
per month
$1,180
per year
$35,402
over 30 years
$62,642
interest saved
How gap financing works: The equity gap ($53,760) 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 ($27,260 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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