Loan Comparison: 2.79% vs 6.5%
10586 Wildhurst, Highlands Ranch, CO 80126 · 3bd/3ba · $639,900
List Price
$639,900
Assumable Rate
2.79%
Remaining Balance
$518,475
Equity Gap
$121,425
Loan Type
FHAAdjust Your Scenario
$31,995
$31,995$121,425
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.79% (FHA)
Blended Rate: 3.63%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,842/moAssumable @ 2.79% + gap loan
$2,815/moAssumed loan: $2,128/mo
Gap financing: $688/mo
$1,027less per month with the assumable
Your Savings on This Property
10586 Wildhurst, Highlands Ranch · 2.79% FHA vs 6.5% conventional
$1,027
per month
$12,325
per year
$369,757
over 30 years
$369,757
interest saved
How gap financing works: The equity gap ($121,425) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($31,995, 5% of purchase price) and a second mortgage for the rest ($89,430 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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