Loan Comparison: 6.43% vs 6.5%
3508 Amber Sun Circle, Castle Rock, CO 80104 · 4bd/3ba · $575,000
List Price
$575,000
Assumable Rate
6.43%
Remaining Balance
$410,893
Equity Gap
$164,106
Loan Type
FHAAdjust Your Scenario
$28,750
$28,750$164,106
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 6.43% (FHA)
Blended Rate: 6.70%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,453/moAssumable @ 6.43% + gap loan
$3,525/moAssumed loan: $2,578/mo
Gap financing: $946/mo
Your Savings on This Property
3508 Amber Sun Circle, Castle Rock · 6.43% 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 ($164,106) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($28,750, 5% of purchase price) and a second mortgage for the rest ($135,356 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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