Loan Comparison: 3.02% vs 6.5%
7267 Mountain Brush, Highlands Ranch, CO 80130 · 4bd/4ba · $765,000
List Price
$765,000
Assumable Rate
3.02%
Remaining Balance
$414,485
Equity Gap
$349,595
Loan Type
FHAAdjust Your Scenario
$38,250
$38,250$349,595
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.02% (FHA)
Blended Rate: 5.37%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,594/moAssumable @ 3.02% + gap loan
$4,146/moAssumed loan: $1,752/mo
Gap financing: $2,394/mo
$448less per month with the assumable
Your Savings on This Property
7267 Mountain Brush, Highlands Ranch · 3.02% FHA vs 6.5% conventional
$448
per month
$5,371
per year
$161,144
over 30 years
$160,224
interest saved
How gap financing works: The equity gap ($349,595) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($38,250, 5% of purchase price) and a second mortgage for the rest ($311,345 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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