Loan Comparison: 5.41% vs 6.5%
3207 Green Haven, Highlands Ranch, CO 80126 · 3bd/3ba · $589,000
List Price
$589,000
Assumable Rate
5.41%
Remaining Balance
$499,773
Equity Gap
$88,517
Loan Type
FHAAdjust Your Scenario
$29,450
$29,450$88,517
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.41% (FHA)
Blended Rate: 5.74%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,537/moAssumable @ 5.41% + gap loan
$3,264/moAssumed loan: $2,809/mo
Gap financing: $454/mo
$273less per month with the assumable
Your Savings on This Property
3207 Green Haven, Highlands Ranch · 5.41% FHA vs 6.5% conventional
$273
per month
$3,277
per year
$98,303
over 30 years
$97,593
interest saved
How gap financing works: The equity gap ($88,517) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($29,450, 5% of purchase price) and a second mortgage for the rest ($59,067 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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