Loan Comparison: 6.77% vs 6.5%
8692 Wildrye Circle, Parker, CO 80134 · 2bd/2ba · $528,500
List Price
$528,500
Assumable Rate
6.77%
Remaining Balance
$428,556
Equity Gap
$99,943
Loan Type
FHAAdjust Your Scenario
$26,425
$26,425$99,943
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 6.77% (FHA)
Blended Rate: 6.88%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,173/moAssumable @ 6.77% + gap loan
$3,299/moAssumed loan: $2,785/mo
Gap financing: $514/mo
Your Savings on This Property
8692 Wildrye Circle, Parker · 6.77% 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 ($99,943) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($26,425, 5% of purchase price) and a second mortgage for the rest ($73,518 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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