Loan Comparison: 2.75% vs 6.5%
11750 Dunrich Road, Parker, CO 80138 · 4bd/3ba · $1,750,000
List Price
$1,750,000
Assumable Rate
2.75%
Remaining Balance
$704,491
Equity Gap
$1,045,509
Loan Type
FHAAdjust Your Scenario
$87,500
$87,500$1,045,509
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.75% (FHA)
Blended Rate: 5.49%
Monthly Payment Comparison
New Conventional @ 6.5%
$10,508/moAssumable @ 2.75% + gap loan
$9,575/moAssumed loan: $2,876/mo
Gap financing: $6,699/mo
$934less per month with the assumable
Your Savings on This Property
11750 Dunrich Road, Parker · 2.75% FHA vs 6.5% conventional
$934
per month
$11,203
per year
$336,085
over 30 years
$336,085
interest saved
How gap financing works: The equity gap ($1,045,509) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($87,500, 5% of purchase price) and a second mortgage for the rest ($958,009 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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