Loan Comparison: 5.84% vs 6.5%
10877 Rolling Mesa, Peyton, CO 80831 · 4bd/5ba · $799,900
List Price
$799,900
Assumable Rate
5.84%
Remaining Balance
$715,473
Equity Gap
$84,427
Loan Type
VAAdjust Your Scenario
$39,995
$39,995$84,427
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.84% (VA)
Blended Rate: 6.00%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,803/moAssumable @ 5.84% + gap loan
$4,558/moAssumed loan: $4,216/mo
Gap financing: $342/mo
$245less per month with the assumable
Your Savings on This Property
10877 Rolling Mesa, Peyton · 5.84% VA vs 6.5% conventional
$245
per month
$2,942
per year
$88,262
over 30 years
$88,262
interest saved
How gap financing works: The equity gap ($84,427) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($39,995, 5% of purchase price) and a second mortgage for the rest ($44,432 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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