Loan Comparison: 2.84% vs 6.5%
4335 Lyndenwood, Highlands Ranch, CO 80130 · 4bd/3ba · $600,000
List Price
$600,000
Assumable Rate
2.84%
Remaining Balance
$416,905
Equity Gap
$183,095
Loan Type
FHAAdjust Your Scenario
$30,000
$30,000$183,095
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.84% (FHA)
Blended Rate: 4.36%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,603/moAssumable @ 2.84% + gap loan
$2,899/moAssumed loan: $1,722/mo
Gap financing: $1,177/mo
$704less per month with the assumable
Your Savings on This Property
4335 Lyndenwood, Highlands Ranch · 2.84% FHA vs 6.5% conventional
$704
per month
$8,444
per year
$253,333
over 30 years
$253,333
interest saved
How gap financing works: The equity gap ($183,095) 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 ($153,095 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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