Loan Comparison: 4.2% vs 6.5%
125 Brittany, Dacono, CO 80514 · 3bd/3ba · $465,000
List Price
$465,000
Assumable Rate
4.2%
Remaining Balance
$278,031
Equity Gap
$200,849
Loan Type
FHAAdjust Your Scenario
$23,250
$23,250$200,849
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.2% (FHA)
Blended Rate: 5.88%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,792/moAssumable @ 4.2% + gap loan
$2,725/moAssumed loan: $1,360/mo
Gap financing: $1,366/mo
$67less per month with the assumable
Your Savings on This Property
125 Brittany, Dacono · 4.2% FHA vs 6.5% conventional
$67
per month
$804
per year
$24,105
over 30 years
$37,985
interest saved
How gap financing works: The equity gap ($200,849) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($23,250, 5% of purchase price) and a second mortgage for the rest ($177,599 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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