Loan Comparison: 5.84% vs 6.5%
25380 Aberdeen, Aurora, CO 80016 · 6bd/4ba · $739,950
List Price
$739,950
Assumable Rate
5.84%
Remaining Balance
$644,680
Equity Gap
$94,448
Loan Type
FHAAdjust Your Scenario
$36,998
$36,998$94,448
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.84% (FHA)
Blended Rate: 6.06%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,443/moAssumable @ 5.84% + gap loan
$4,241/moAssumed loan: $3,799/mo
Gap financing: $442/mo
$202less per month with the assumable
Your Savings on This Property
25380 Aberdeen, Aurora · 5.84% FHA vs 6.5% conventional
$202
per month
$2,427
per year
$72,821
over 30 years
$71,998
interest saved
How gap financing works: The equity gap ($94,448) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($36,998, 5% of purchase price) and a second mortgage for the rest ($57,450 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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