Loan Comparison: 3.68% vs 6.5%
8465 Holland, Littleton, CO 80128 · 2bd/2ba · $399,000
List Price
$399,000
Assumable Rate
3.68%
Remaining Balance
$106,188
Equity Gap
$292,811
Loan Type
FHAAdjust Your Scenario
$19,950
$19,950$292,811
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.68% (FHA)
Blended Rate: 7.15%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,396/moAssumable @ 3.68% + gap loan
$2,586/moAssumed loan: $488/mo
Gap financing: $2,098/mo
Your Savings on This Property
8465 Holland, Littleton · 3.68% 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 ($292,811) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($19,950, 5% of purchase price) and a second mortgage for the rest ($272,861 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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