Loan Comparison: 2.9% vs 6.5%
3623 Rosewalk Circle, Highlands Ranch, CO 80129 · 5bd/3ba · $660,000
List Price
$660,000
Assumable Rate
2.9%
Remaining Balance
$565,214
Equity Gap
$94,786
Loan Type
FHAAdjust Your Scenario
$33,000
$33,000$94,786
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.9% (FHA)
Blended Rate: 3.35%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,963/moAssumable @ 2.9% + gap loan
$2,785/moAssumed loan: $2,353/mo
Gap financing: $432/mo
$1,178less per month with the assumable
Your Savings on This Property
3623 Rosewalk Circle, Highlands Ranch · 2.9% FHA vs 6.5% conventional
$1,178
per month
$14,142
per year
$424,245
over 30 years
$424,245
interest saved
How gap financing works: The equity gap ($94,786) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($33,000, 5% of purchase price) and a second mortgage for the rest ($61,786 at 7.5%). 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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