Loan Comparison: 2.77% vs 6.5%
900 Bristle Pine, Highlands Ranch, CO 80129 · 3bd/3ba · $615,000
List Price
$615,000
Assumable Rate
2.77%
Remaining Balance
$421,286
Equity Gap
$194,689
Loan Type
FHAAdjust Your Scenario
$30,750
$30,750$194,689
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.77% (FHA)
Blended Rate: 4.38%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,693/moAssumable @ 2.77% + gap loan
$2,985/moAssumed loan: $1,724/mo
Gap financing: $1,261/mo
$708less per month with the assumable
Your Savings on This Property
900 Bristle Pine, Highlands Ranch · 2.77% FHA vs 6.5% conventional
$708
per month
$8,496
per year
$254,873
over 30 years
$255,848
interest saved
How gap financing works: The equity gap ($194,689) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($30,750, 5% of purchase price) and a second mortgage for the rest ($163,939 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.
🏠
Back to This Listing
View photos, details, and request a showing for 900 Bristle Pine.
View Listing Details📈
Interested in This Home?
Get full loan details and schedule a showing. Free, no obligation.