Loan Comparison: 4.5% vs 6.5%
4672 Hahns Peak, Loveland, CO 80538 · 2bd/2ba · $339,900
List Price
$339,900
Assumable Rate
4.5%
Remaining Balance
$222,511
Equity Gap
$116,994
Loan Type
FHAAdjust Your Scenario
$16,995
$16,995$116,994
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.5% (FHA)
Blended Rate: 5.74%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,041/moAssumable @ 4.5% + gap loan
$1,896/moAssumed loan: $1,127/mo
Gap financing: $769/mo
$145less per month with the assumable
Your Savings on This Property
4672 Hahns Peak, Loveland · 4.5% FHA vs 6.5% conventional
$145
per month
$1,736
per year
$52,071
over 30 years
$51,676
interest saved
How gap financing works: The equity gap ($116,994) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($16,995, 5% of purchase price) and a second mortgage for the rest ($99,999 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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