Loan Comparison: 3.08% vs 6.5%
10168 Antler Creek, Peyton, CO 80831 · 3bd/3ba · $550,000
List Price
$550,000
Assumable Rate
3.08%
Remaining Balance
$374,295
Equity Gap
$224,984
Loan Type
VAAdjust Your Scenario
$27,500
$27,500$224,984
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.08% (VA)
Blended Rate: 4.95%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,303/moAssumable @ 3.08% + gap loan
$3,113/moAssumed loan: $1,594/mo
Gap financing: $1,518/mo
$190less per month with the assumable
Your Savings on This Property
10168 Antler Creek, Peyton · 3.08% VA vs 6.5% conventional
$190
per month
$2,278
per year
$68,341
over 30 years
$117,620
interest saved
How gap financing works: The equity gap ($224,984) 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 ($197,484 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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