Loan Comparison: 4.52% vs 6.5%
4126 95th Drive, Thornton, CO 80229 · 3bd/2ba · $540,000
List Price
$540,000
Assumable Rate
4.52%
Remaining Balance
$363,923
Equity Gap
$176,077
Loan Type
FHAAdjust Your Scenario
$27,000
$27,000$176,077
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.52% (FHA)
Blended Rate: 5.39%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,243/moAssumable @ 4.52% + gap loan
$2,891/moAssumed loan: $1,848/mo
Gap financing: $1,042/mo
$352less per month with the assumable
Your Savings on This Property
4126 95th Drive, Thornton · 4.52% FHA vs 6.5% conventional
$352
per month
$4,222
per year
$126,673
over 30 years
$126,673
interest saved
How gap financing works: The equity gap ($176,077) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($27,000, 5% of purchase price) and a second mortgage for the rest ($149,077 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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