Loan Comparison: 4.67% vs 6.5%
19085 66th, Denver, CO 80249 · 4bd/3ba · $474,000
List Price
$474,000
Assumable Rate
4.67%
Remaining Balance
$409,029
Equity Gap
$64,295
Loan Type
FHAAdjust Your Scenario
$23,700
$23,700$64,295
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.67% (FHA)
Blended Rate: 5.02%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,846/moAssumable @ 4.67% + gap loan
$2,426/moAssumed loan: $2,114/mo
Gap financing: $312/mo
$420less per month with the assumable
Your Savings on This Property
19085 66th, Denver · 4.67% FHA vs 6.5% conventional
$420
per month
$5,041
per year
$151,219
over 30 years
$150,543
interest saved
How gap financing works: The equity gap ($64,295) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($23,700, 5% of purchase price) and a second mortgage for the rest ($40,595 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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