Loan Comparison: 6.5% vs 6.5%
955 Rustling Street, Windsor, CO 80550 · 4bd/3ba · $660,000
List Price
$660,000
Assumable Rate
6.5%
Remaining Balance
$558,405
Equity Gap
$101,594
Loan Type
FHAAdjust Your Scenario
$33,000
$33,000$101,594
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 6.5% (FHA)
Blended Rate: 6.61%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,963/moAssumable @ 6.5% + gap loan
$4,009/moAssumed loan: $3,529/mo
Gap financing: $480/mo
Your Savings on This Property
955 Rustling Street, Windsor · 6.5% 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 ($101,594) 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 ($68,594 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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