Loan Comparison: 7.22% vs 6.5%
3964 Haleyville Court, Aurora, CO 80019 · 2bd/1ba · $644,900
List Price
$644,900
Assumable Rate
7.22%
Remaining Balance
$601,550
Equity Gap
$43,349
Loan Type
FHAAdjust Your Scenario
$32,245
$32,245$43,349
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 7.22% (FHA)
Blended Rate: 7.23%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,872/moAssumable @ 7.22% + gap loan
$4,169/moAssumed loan: $4,091/mo
Gap financing: $78/mo
Your Savings on This Property
3964 Haleyville Court, Aurora · 7.22% 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 ($43,349) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($32,245, 5% of purchase price) and a second mortgage for the rest ($11,104 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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