Loan Comparison: 7.09% vs 6.5%
13909 Dahlia Street, Thornton, CO 80603 · 3bd/3ba · $649,000
List Price
$649,000
Assumable Rate
7.09%
Remaining Balance
$600,532
Equity Gap
$48,468
Loan Type
FHAAdjust Your Scenario
$32,450
$32,450$48,468
7.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 7.09% (FHA)
Blended Rate: 7.10%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,897/moAssumable @ 7.09% + gap loan
$4,144/moAssumed loan: $4,032/mo
Gap financing: $112/mo
Your Savings on This Property
13909 Dahlia Street, Thornton · 7.09% 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 ($48,468) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($32,450, 5% of purchase price) and a second mortgage for the rest ($16,018 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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