Loan Comparison: 3.9% vs 6.5%
9831 Sydney, Highlands Ranch, CO 80130 · 3bd/3ba · $599,850
List Price
$599,850
Assumable Rate
3.9%
Remaining Balance
$300,755
Equity Gap
$297,583
Loan Type
FHAAdjust Your Scenario
$29,993
$29,993$297,583
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.9% (FHA)
Blended Rate: 6.07%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,602/moAssumable @ 3.9% + gap loan
$3,476/moAssumed loan: $1,419/mo
Gap financing: $2,058/mo
$126less per month with the assumable
Your Savings on This Property
9831 Sydney, Highlands Ranch · 3.9% FHA vs 6.5% conventional
$126
per month
$1,509
per year
$45,283
over 30 years
$43,770
interest saved
How gap financing works: The equity gap ($297,583) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($29,993, 5% of purchase price) and a second mortgage for the rest ($267,590 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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