Loan Comparison: 3.77% vs 6.5%
12407 Mount Bross, Peyton, CO 80831 · 5bd/3ba · $539,500
List Price
$539,500
Assumable Rate
3.77%
Remaining Balance
$107,763
Equity Gap
$431,737
Loan Type
VAAdjust Your Scenario
$26,975
$26,975$431,737
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.77% (VA)
Blended Rate: 7.51%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,240/moAssumable @ 3.77% + gap loan
$3,613/moAssumed loan: $500/mo
Gap financing: $3,112/mo
Your Savings on This Property
12407 Mount Bross, Peyton · 3.77% VA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($431,737) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($26,975, 5% of purchase price) and a second mortgage for the rest ($404,762 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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