Loan Comparison: 3.45% vs 6.5%
2225 Mountain Sage, Highlands Ranch, CO 80126 · 3bd/3ba · $710,000
List Price
$710,000
Assumable Rate
3.45%
Remaining Balance
$538,263
Equity Gap
$170,672
Loan Type
FHAAdjust Your Scenario
$35,500
$35,500$170,672
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.45% (FHA)
Blended Rate: 4.46%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,263/moAssumable @ 3.45% + gap loan
$3,441/moAssumed loan: $2,402/mo
Gap financing: $1,039/mo
$822less per month with the assumable
Your Savings on This Property
2225 Mountain Sage, Highlands Ranch · 3.45% FHA vs 6.5% conventional
$822
per month
$9,863
per year
$295,884
over 30 years
$294,819
interest saved
How gap financing works: The equity gap ($170,672) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($35,500, 5% of purchase price) and a second mortgage for the rest ($135,172 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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