Loan Comparison: 4.36% vs 6.5%
9270 Inspiration, Parker, CO 80138 · 4bd/4ba · $949,494
List Price
$949,494
Assumable Rate
4.36%
Remaining Balance
$451,356
Equity Gap
$497,131
Loan Type
FHAAdjust Your Scenario
$47,475
$47,475$497,131
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.36% (FHA)
Blended Rate: 6.43%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,701/moAssumable @ 4.36% + gap loan
$5,707/moAssumed loan: $2,250/mo
Gap financing: $3,457/mo
Your Savings on This Property
9270 Inspiration, Parker · 4.36% 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 ($497,131) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($47,475, 5% of purchase price) and a second mortgage for the rest ($449,656 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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