Loan Comparison: 3.67% vs 6.5%
10810 65th, Arvada, CO 80004 · 4bd/3ba · $725,000
List Price
$725,000
Assumable Rate
3.67%
Remaining Balance
$180,752
Equity Gap
$543,697
Loan Type
FHAAdjust Your Scenario
$36,250
$36,250$543,697
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.67% (FHA)
Blended Rate: 7.23%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,353/moAssumable @ 3.67% + gap loan
$4,731/moAssumed loan: $829/mo
Gap financing: $3,902/mo
Your Savings on This Property
10810 65th, Arvada · 3.67% FHA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($543,697) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($36,250, 5% of purchase price) and a second mortgage for the rest ($507,447 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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