Loan Comparison: 4.5% vs 6.5%
4672 Hahns Peak, Loveland, CO 80538 · 2bd/2ba · $338,559
List Price
$338,559
Assumable Rate
4.5%
Remaining Balance
$223,412
Equity Gap
$115,653
Loan Type
FHAAdjust Your Scenario
$16,928
$16,928$115,653
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.5% (FHA)
Blended Rate: 5.73%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,033/moAssumable @ 4.5% + gap loan
$1,891/moAssumed loan: $1,132/mo
Gap financing: $759/mo
$142less per month with the assumable
Your Savings on This Property
4672 Hahns Peak, Loveland · 4.5% FHA vs 6.5% conventional
$142
per month
$1,702
per year
$51,056
over 30 years
$51,562
interest saved
How gap financing works: The equity gap ($115,653) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($16,928, 5% of purchase price) and a second mortgage for the rest ($98,725 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.
🏠
Back to This Listing
View photos, details, and request a showing for 4672 Hahns Peak.
View Listing Details📈
Interested in This Home?
Get full loan details and schedule a showing. Free, no obligation.