Loan Comparison: 3.16% vs 6.5%
3866 Dyanna, Thornton, CO 80241 · 3bd/3ba · $455,000
List Price
$455,000
Assumable Rate
3.16%
Remaining Balance
$297,387
Equity Gap
$169,697
Loan Type
FHAAdjust Your Scenario
$22,750
$22,750$169,697
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.16% (FHA)
Blended Rate: 4.93%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,732/moAssumable @ 3.16% + gap loan
$2,409/moAssumed loan: $1,280/mo
Gap financing: $1,130/mo
$323less per month with the assumable
Your Savings on This Property
3866 Dyanna, Thornton · 3.16% FHA vs 6.5% conventional
$323
per month
$3,871
per year
$116,142
over 30 years
$128,226
interest saved
How gap financing works: The equity gap ($169,697) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($22,750, 5% of purchase price) and a second mortgage for the rest ($146,947 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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