Loan Comparison: 3.09% vs 6.5%
9941 Ledgestone, Peyton, CO 80831 · 5bd/4ba · $605,000
List Price
$605,000
Assumable Rate
3.09%
Remaining Balance
$468,535
Equity Gap
$137,473
Loan Type
VAAdjust Your Scenario
$30,250
$30,250$137,473
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.09% (VA)
Blended Rate: 4.10%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,633/moAssumable @ 3.09% + gap loan
$2,823/moAssumed loan: $1,998/mo
Gap financing: $824/mo
$810less per month with the assumable
Your Savings on This Property
9941 Ledgestone, Peyton · 3.09% VA vs 6.5% conventional
$810
per month
$9,722
per year
$291,665
over 30 years
$292,673
interest saved
How gap financing works: The equity gap ($137,473) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($30,250, 5% of purchase price) and a second mortgage for the rest ($107,223 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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