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
$493,700
Equity Gap
$181,242
Loan Type
FHAAdjust Your Scenario
$30,000
$30,000$181,242
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.84% (FHA)
Blended Rate: 4.17%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,603/moAssumable @ 2.84% + gap loan
$3,202/moAssumed loan: $2,039/mo
Gap financing: $1,163/mo
$401less per month with the assumable
Your Savings on This Property
4335 Lyndenwood, Highlands Ranch · 2.84% FHA vs 6.5% conventional
$401
per month
$4,809
per year
$144,276
over 30 years
$219,218
interest saved
How gap financing works: The equity gap ($181,242) 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 ($151,242 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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