Loan Comparison: 4.35% vs 6.5%
9567 Brentwood Way, Broomfield, CO 80021 · 3bd/2ba · $562,000
List Price
$562,000
Assumable Rate
4.35%
Remaining Balance
$137,493
Equity Gap
$424,506
Loan Type
FHAAdjust Your Scenario
$28,100
$28,100$424,506
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.35% (FHA)
Blended Rate: 6.69%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,375/moAssumable @ 4.35% + gap loan
$3,456/moAssumed loan: $684/mo
Gap financing: $2,772/mo
Your Savings on This Property
9567 Brentwood Way, Broomfield · 4.35% 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 ($424,506) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($28,100, 5% of purchase price) and a second mortgage for the rest ($396,406 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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