Loan Comparison: 6.35% vs 6.5%
10606 Brown Fox Trail, Littleton, CO 80125 · 2bd/2ba · $970,000
List Price
$970,000
Assumable Rate
6.35%
Remaining Balance
$764,186
Equity Gap
$205,814
Loan Type
FHAAdjust Your Scenario
$48,500
$48,500$205,814
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 6.35% (FHA)
Blended Rate: 6.55%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,825/moAssumable @ 6.35% + gap loan
$5,855/moAssumed loan: $4,755/mo
Gap financing: $1,100/mo
Your Savings on This Property
10606 Brown Fox Trail, Littleton · 6.35% 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 ($205,814) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($48,500, 5% of purchase price) and a second mortgage for the rest ($157,314 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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