Loan Comparison: 5.41% vs 6.5%
3207 Green Haven, Highlands Ranch, CO 80126 · 3bd/3ba · $625,000
List Price
$625,000
Assumable Rate
5.41%
Remaining Balance
$501,893
Equity Gap
$124,517
Loan Type
FHAAdjust Your Scenario
$31,250
$31,250$124,517
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.41% (FHA)
Blended Rate: 5.89%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,753/moAssumable @ 5.41% + gap loan
$3,539/moAssumed loan: $2,821/mo
Gap financing: $717/mo
$214less per month with the assumable
Your Savings on This Property
3207 Green Haven, Highlands Ranch · 5.41% FHA vs 6.5% conventional
$214
per month
$2,572
per year
$77,164
over 30 years
$78,574
interest saved
How gap financing works: The equity gap ($124,517) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($31,250, 5% of purchase price) and a second mortgage for the rest ($93,267 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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