Loan Comparison: 3.22% vs 6.5%
7506 Buckskin Ranch, Peyton, CO 80831 · 6bd/4ba · $1,379,000
List Price
$1,379,000
Assumable Rate
3.22%
Remaining Balance
$935,168
Equity Gap
$443,832
Loan Type
VAAdjust Your Scenario
$68,950
$68,950$443,832
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.22% (VA)
Blended Rate: 4.73%
Monthly Payment Comparison
New Conventional @ 6.5%
$8,280/moAssumable @ 3.22% + gap loan
$6,937/moAssumed loan: $4,055/mo
Gap financing: $2,883/mo
$1,343less per month with the assumable
Your Savings on This Property
7506 Buckskin Ranch, Peyton · 3.22% VA vs 6.5% conventional
$1,343
per month
$16,120
per year
$483,610
over 30 years
$483,610
interest saved
How gap financing works: The equity gap ($443,832) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($68,950, 5% of purchase price) and a second mortgage for the rest ($374,882 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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