Loan Comparison: 3.61% vs 6.5%
9383 Weeping Willow, Highlands Ranch, CO 80130 · 3bd/2ba · $550,000
List Price
$550,000
Assumable Rate
3.61%
Remaining Balance
$324,736
Equity Gap
$225,263
Loan Type
FHAAdjust Your Scenario
$27,500
$27,500$225,263
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.61% (FHA)
Blended Rate: 5.46%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,303/moAssumable @ 3.61% + gap loan
$2,999/moAssumed loan: $1,478/mo
Gap financing: $1,521/mo
$304less per month with the assumable
Your Savings on This Property
9383 Weeping Willow, Highlands Ranch · 3.61% FHA vs 6.5% conventional
$304
per month
$3,644
per year
$109,334
over 30 years
$109,333
interest saved
How gap financing works: The equity gap ($225,263) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($27,500, 5% of purchase price) and a second mortgage for the rest ($197,763 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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