Loan Comparison: 3.16% vs 6.5%
3866 Dyanna, Thornton, CO 80241 · 3bd/3ba · $435,000
List Price
$435,000
Assumable Rate
3.16%
Remaining Balance
$285,303
Equity Gap
$149,697
Loan Type
FHAAdjust Your Scenario
$21,750
$21,750$149,697
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.16% (FHA)
Blended Rate: 4.81%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,612/moAssumable @ 3.16% + gap loan
$2,211/moAssumed loan: $1,228/mo
Gap financing: $984/mo
$401less per month with the assumable
Your Savings on This Property
3866 Dyanna, Thornton · 3.16% FHA vs 6.5% conventional
$401
per month
$4,807
per year
$144,220
over 30 years
$144,220
interest saved
How gap financing works: The equity gap ($149,697) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($21,750, 5% of purchase price) and a second mortgage for the rest ($127,947 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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