Loan Comparison: 3.94% vs 6.5%
9547 Dahlia, Thornton, CO 80229 · 3bd/2ba · $421,100
List Price
$421,100
Assumable Rate
3.94%
Remaining Balance
$317,738
Equity Gap
$97,281
Loan Type
FHAAdjust Your Scenario
$21,055
$21,055$97,281
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.94% (FHA)
Blended Rate: 4.82%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,529/moAssumable @ 3.94% + gap loan
$2,092/moAssumed loan: $1,506/mo
Gap financing: $586/mo
$436less per month with the assumable
Your Savings on This Property
9547 Dahlia, Thornton · 3.94% FHA vs 6.5% conventional
$436
per month
$5,238
per year
$157,135
over 30 years
$151,054
interest saved
How gap financing works: The equity gap ($97,281) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($21,055, 5% of purchase price) and a second mortgage for the rest ($76,226 at 8.5%). 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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