Loan Comparison: 2.77% vs 6.5%
7409 Rosecroft, Windsor, CO 80550 · 4bd/3ba · $710,000
List Price
$710,000
Assumable Rate
2.77%
Remaining Balance
$486,501
Equity Gap
$294,422
Loan Type
FHAAdjust Your Scenario
$35,500
$35,500$294,422
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.77% (FHA)
Blended Rate: 4.76%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,263/moAssumable @ 2.77% + gap loan
$3,982/moAssumed loan: $1,991/mo
Gap financing: $1,991/mo
$281less per month with the assumable
Your Savings on This Property
7409 Rosecroft, Windsor · 2.77% FHA vs 6.5% conventional
$281
per month
$3,374
per year
$101,217
over 30 years
$172,140
interest saved
How gap financing works: The equity gap ($294,422) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($35,500, 5% of purchase price) and a second mortgage for the rest ($258,922 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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