Loan Comparison: 3.92% vs 6.5%
12638 Windingwalk, Peyton, CO 80831 · 4bd/3ba · $684,900
List Price
$684,900
Assumable Rate
3.92%
Remaining Balance
$104,310
Equity Gap
$37,611
Loan Type
VAAdjust Your Scenario
$34,245
$34,245$37,611
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.92% (VA)
Blended Rate: 4.06%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,113/moAssumable @ 3.92% + gap loan
$519/moAssumed loan: $493/mo
Gap financing: $26/mo
$3,594less per month with the assumable
Your Savings on This Property
12638 Windingwalk, Peyton · 3.92% VA vs 6.5% conventional
$3,594
per month
$43,122
per year
$1,293,663
over 30 years
$750,684
interest saved
How gap financing works: The equity gap ($37,611) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($34,245, 5% of purchase price) and a second mortgage for the rest ($3,366 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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