Loan Comparison: 6.54% vs 6.5%
15050 Gladshine Drive, Parker, CO 80134 · 4bd/4ba · $615,000
List Price
$615,000
Assumable Rate
6.54%
Remaining Balance
$542,410
Equity Gap
$72,590
Loan Type
FHAAdjust Your Scenario
$30,750
$30,750$72,590
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 6.54% (FHA)
Blended Rate: 6.61%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,693/moAssumable @ 6.54% + gap loan
$3,735/moAssumed loan: $3,443/mo
Gap financing: $293/mo
Your Savings on This Property
15050 Gladshine Drive, Parker · 6.54% 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 ($72,590) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($30,750, 5% of purchase price) and a second mortgage for the rest ($41,840 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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