Loan Comparison: 3.07% vs 6.5%
3727 Cactus Creek, Highlands Ranch, CO 80126 · 2bd/2ba · $349,500
List Price
$349,500
Assumable Rate
3.07%
Remaining Balance
$321,969
Equity Gap
$27,530
Loan Type
FHAAdjust Your Scenario
$17,475
$17,475$27,530
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.07% (FHA)
Blended Rate: 3.23%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,099/moAssumable @ 3.07% + gap loan
$1,447/moAssumed loan: $1,370/mo
Gap financing: $77/mo
$652less per month with the assumable
Your Savings on This Property
3727 Cactus Creek, Highlands Ranch · 3.07% FHA vs 6.5% conventional
$652
per month
$7,820
per year
$234,608
over 30 years
$234,607
interest saved
How gap financing works: The equity gap ($27,530) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($17,475, 5% of purchase price) and a second mortgage for the rest ($10,055 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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