Loan Comparison: 3.69% vs 6.5%
12519 Mt Antero, Peyton, CO 80831 · 5bd/3ba · $585,000
List Price
$585,000
Assumable Rate
3.69%
Remaining Balance
$588,225
Equity Gap
$47,180
Loan Type
VAAdjust Your Scenario
$29,250
$29,250$47,180
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.69% (VA)
Blended Rate: 3.83%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,513/moAssumable @ 3.69% + gap loan
$2,842/moAssumed loan: $2,704/mo
Gap financing: $138/mo
$671less per month with the assumable
Your Savings on This Property
12519 Mt Antero, Peyton · 3.69% VA vs 6.5% conventional
$671
per month
$8,048
per year
$241,444
over 30 years
$291,849
interest saved
How gap financing works: The equity gap ($47,180) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($29,250, 5% of purchase price) and a second mortgage for the rest ($17,930 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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