Loan Comparison: 6.76% vs 6.5%
3751 136th Avenue, Broomfield, CO 80023 · 5bd/5ba · $565,000
List Price
$565,000
Assumable Rate
6.76%
Remaining Balance
$351,349
Equity Gap
$213,651
Loan Type
FHAAdjust Your Scenario
$28,250
$28,250$213,651
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 6.76% (FHA)
Blended Rate: 7.02%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,393/moAssumable @ 6.76% + gap loan
$3,578/moAssumed loan: $2,281/mo
Gap financing: $1,296/mo
Your Savings on This Property
3751 136th Avenue, Broomfield · 6.76% FHA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($213,651) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($28,250, 5% of purchase price) and a second mortgage for the rest ($185,401 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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