Loan Comparison: 4.98% vs 6.5%
9234 Hinsdale, Littleton, CO 80128 · 5bd/4ba · $729,000
List Price
$729,000
Assumable Rate
4.98%
Remaining Balance
$546,355
Equity Gap
$182,644
Loan Type
FHAAdjust Your Scenario
$36,450
$36,450$182,644
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.98% (FHA)
Blended Rate: 5.72%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,377/moAssumable @ 4.98% + gap loan
$4,050/moAssumed loan: $2,926/mo
Gap financing: $1,124/mo
$327less per month with the assumable
Your Savings on This Property
9234 Hinsdale, Littleton · 4.98% FHA vs 6.5% conventional
$327
per month
$3,924
per year
$117,722
over 30 years
$117,721
interest saved
How gap financing works: The equity gap ($182,644) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($36,450, 5% of purchase price) and a second mortgage for the rest ($146,194 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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