Loan Comparison: 2.69% vs 6.5%
25084 Pinewood, Aurora, CO 80016 · 5bd/4ba · $775,000
List Price
$775,000
Assumable Rate
2.69%
Remaining Balance
$384,862
Equity Gap
$390,138
Loan Type
FHAAdjust Your Scenario
$38,750
$38,750$390,138
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.69% (FHA)
Blended Rate: 5.46%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,654/moAssumable @ 2.69% + gap loan
$4,261/moAssumed loan: $1,559/mo
Gap financing: $2,702/mo
$393less per month with the assumable
Your Savings on This Property
25084 Pinewood, Aurora · 2.69% FHA vs 6.5% conventional
$393
per month
$4,713
per year
$141,397
over 30 years
$141,397
interest saved
How gap financing works: The equity gap ($390,138) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($38,750, 5% of purchase price) and a second mortgage for the rest ($351,388 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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