Loan Comparison: 4.868% vs 6.5%
3157 Green Haven, Highlands Ranch, CO 80126 · 4bd/4ba · $625,000
List Price
$625,000
Assumable Rate
4.868%
Remaining Balance
$574,958
Equity Gap
$47,566
Loan Type
FHAAdjust Your Scenario
$31,250
$31,250$47,566
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.868% (FHA)
Blended Rate: 4.97%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,753/moAssumable @ 4.868% + gap loan
$3,166/moAssumed loan: $3,040/mo
Gap financing: $125/mo
$587less per month with the assumable
Your Savings on This Property
3157 Green Haven, Highlands Ranch · 4.868% FHA vs 6.5% conventional
$587
per month
$7,046
per year
$211,380
over 30 years
$208,904
interest saved
How gap financing works: The equity gap ($47,566) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($31,250, 5% of purchase price) and a second mortgage for the rest ($16,316 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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