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
$353,747
Equity Gap
$271,252
Loan Type
FHAAdjust Your Scenario
$31,250
$31,250$271,252
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.72% (FHA)
Blended Rate: 5.65%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,753/moAssumable @ 3.72% + gap loan
$3,478/moAssumed loan: $1,632/mo
Gap financing: $1,845/mo
$275less per month with the assumable
Your Savings on This Property
4949 Valdai, Aurora · 3.72% FHA vs 6.5% conventional
$275
per month
$3,303
per year
$99,092
over 30 years
$99,091
interest saved
How gap financing works: The equity gap ($271,252) 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 ($240,002 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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