Loan Comparison: 3.21% vs 6.5%
9325 Anhawa, Longmont, CO 80503 · 3bd/2ba · $830,000
List Price
$830,000
Assumable Rate
3.21%
Remaining Balance
$643,243
Equity Gap
$185,425
Loan Type
FHAAdjust Your Scenario
$41,500
$41,500$185,425
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.21% (FHA)
Blended Rate: 4.18%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,984/moAssumable @ 3.21% + gap loan
$3,892/moAssumed loan: $2,785/mo
Gap financing: $1,107/mo
$1,092less per month with the assumable
Your Savings on This Property
9325 Anhawa, Longmont · 3.21% FHA vs 6.5% conventional
$1,092
per month
$13,102
per year
$393,072
over 30 years
$391,740
interest saved
How gap financing works: The equity gap ($185,425) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($41,500, 5% of purchase price) and a second mortgage for the rest ($143,925 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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