Loan Comparison: 4.35% vs 6.5%
9245 Mountain Brush, Highlands Ranch, CO 80130 · 5bd/4ba · $850,000
List Price
$850,000
Assumable Rate
4.35%
Remaining Balance
$582,298
Equity Gap
$267,701
Loan Type
FHAAdjust Your Scenario
$42,500
$42,500$267,701
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.35% (FHA)
Blended Rate: 5.51%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,104/moAssumable @ 4.35% + gap loan
$4,630/moAssumed loan: $2,899/mo
Gap financing: $1,732/mo
$474less per month with the assumable
Your Savings on This Property
9245 Mountain Brush, Highlands Ranch · 4.35% FHA vs 6.5% conventional
$474
per month
$5,683
per year
$170,496
over 30 years
$170,495
interest saved
How gap financing works: The equity gap ($267,701) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($42,500, 5% of purchase price) and a second mortgage for the rest ($225,201 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.
🏠
Back to This Listing
View photos, details, and request a showing for 9245 Mountain Brush.
View Listing Details📈
Interested in This Home?
Get full loan details and schedule a showing. Free, no obligation.