Loan Comparison: 3.44% vs 6.5%
8761 Yukon, Arvada, CO 80005 · 0bd/0ba · $250,000
List Price
$250,000
Assumable Rate
3.44%
Remaining Balance
$209,090
Equity Gap
$65,835
Loan Type
FHAAdjust Your Scenario
$12,500
$12,500$65,835
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.44% (FHA)
Blended Rate: 4.47%
Monthly Payment Comparison
New Conventional @ 6.5%
$1,501/moAssumable @ 3.44% + gap loan
$1,342/moAssumed loan: $932/mo
Gap financing: $410/mo
$159less per month with the assumable
Your Savings on This Property
8761 Yukon, Arvada · 3.44% FHA vs 6.5% conventional
$159
per month
$1,910
per year
$57,291
over 30 years
$82,216
interest saved
How gap financing works: The equity gap ($65,835) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($12,500, 5% of purchase price) and a second mortgage for the rest ($53,335 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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