Loan Comparison: 2.79% vs 6.5%
10586 Wildhurst Circle, Highlands Ranch, CO 80126 · 2bd/2ba · $599,900
List Price
$599,900
Assumable Rate
2.79%
Remaining Balance
$512,652
Equity Gap
$87,247
Loan Type
FHAAdjust Your Scenario
$29,995
$29,995$87,247
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.79% (FHA)
Blended Rate: 3.26%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,602/moAssumable @ 2.79% + gap loan
$2,504/moAssumed loan: $2,104/mo
Gap financing: $400/mo
$1,098less per month with the assumable
Your Savings on This Property
10586 Wildhurst Circle, Highlands Ranch · 2.79% FHA vs 6.5% conventional
$1,098
per month
$13,178
per year
$395,330
over 30 years
$395,329
interest saved
How gap financing works: The equity gap ($87,247) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($29,995, 5% of purchase price) and a second mortgage for the rest ($57,252 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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