Loan Comparison: 3.72% vs 6.5%
4949 Valdai, Aurora, CO 80015 · 4bd/3ba · $625,000
List Price
$625,000
Assumable Rate
3.72%
Remaining Balance
$352,769
Equity Gap
$272,230
Loan Type
FHAAdjust Your Scenario
$31,250
$31,250$272,230
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.72% (FHA)
Blended Rate: 5.66%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,753/moAssumable @ 3.72% + gap loan
$3,481/moAssumed loan: $1,628/mo
Gap financing: $1,853/mo
$272less per month with the assumable
Your Savings on This Property
4949 Valdai, Aurora · 3.72% FHA vs 6.5% conventional
$272
per month
$3,267
per year
$98,009
over 30 years
$98,008
interest saved
How gap financing works: The equity gap ($272,230) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($31,250, 5% of purchase price) and a second mortgage for the rest ($240,980 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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