Loan Comparison: 2.77% vs 6.5%
900 Bristle Pine, Highlands Ranch, CO 80129 · 3bd/3ba · $600,000
List Price
$600,000
Assumable Rate
2.77%
Remaining Balance
$419,333
Equity Gap
$179,689
Loan Type
FHAAdjust Your Scenario
$30,000
$30,000$179,689
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.77% (FHA)
Blended Rate: 4.28%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,603/moAssumable @ 2.77% + gap loan
$2,867/moAssumed loan: $1,716/mo
Gap financing: $1,151/mo
$735less per month with the assumable
Your Savings on This Property
900 Bristle Pine, Highlands Ranch · 2.77% FHA vs 6.5% conventional
$735
per month
$8,826
per year
$264,770
over 30 years
$263,792
interest saved
How gap financing works: The equity gap ($179,689) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($30,000, 5% of purchase price) and a second mortgage for the rest ($149,689 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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