Loan Comparison: 2.77% vs 6.5%
7409 Rosecroft, Windsor, CO 80550 · 4bd/3ba · $690,000
List Price
$690,000
Assumable Rate
2.77%
Remaining Balance
$414,606
Equity Gap
$274,422
Loan Type
FHAAdjust Your Scenario
$34,500
$34,500$274,422
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.77% (FHA)
Blended Rate: 4.87%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,143/moAssumable @ 2.77% + gap loan
$3,542/moAssumed loan: $1,697/mo
Gap financing: $1,845/mo
$601less per month with the assumable
Your Savings on This Property
7409 Rosecroft, Windsor · 2.77% FHA vs 6.5% conventional
$601
per month
$7,217
per year
$216,513
over 30 years
$215,541
interest saved
How gap financing works: The equity gap ($274,422) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($34,500, 5% of purchase price) and a second mortgage for the rest ($239,922 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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