Loan Comparison: 3.45% vs 6.5%
9363 Amison, Parker, CO 80134 · 3bd/3ba · $460,000
List Price
$460,000
Assumable Rate
3.45%
Remaining Balance
$341,140
Equity Gap
$172,135
Loan Type
FHAAdjust Your Scenario
$23,000
$23,000$172,135
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.45% (FHA)
Blended Rate: 4.99%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,762/moAssumable @ 3.45% + gap loan
$2,669/moAssumed loan: $1,522/mo
Gap financing: $1,147/mo
$93less per month with the assumable
Your Savings on This Property
9363 Amison, Parker · 3.45% FHA vs 6.5% conventional
$93
per month
$1,117
per year
$33,499
over 30 years
$86,774
interest saved
How gap financing works: The equity gap ($172,135) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($23,000, 5% of purchase price) and a second mortgage for the rest ($149,135 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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