Loan Comparison: 3.77% vs 6.5%
8342 Pebble Creek, Highlands Ranch, CO 80126 · 2bd/2ba · $249,900
List Price
$249,900
Assumable Rate
3.77%
Remaining Balance
$182,035
Equity Gap
$110,865
Loan Type
FHAAdjust Your Scenario
$12,495
$12,495$110,865
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.77% (FHA)
Blended Rate: 5.43%
Monthly Payment Comparison
New Conventional @ 6.5%
$1,501/moAssumable @ 3.77% + gap loan
$1,601/moAssumed loan: $845/mo
Gap financing: $756/mo
Your Savings on This Property
8342 Pebble Creek, Highlands Ranch · 3.77% FHA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$6,669
interest saved
How gap financing works: The equity gap ($110,865) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($12,495, 5% of purchase price) and a second mortgage for the rest ($98,370 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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