Loan Comparison: 4.14% vs 6.5%
5750 127th, Brighton, CO 80602 · 3bd/3ba · $394,900
List Price
$394,900
Assumable Rate
4.14%
Remaining Balance
$254,864
Equity Gap
$140,035
Loan Type
FHAAdjust Your Scenario
$19,745
$19,745$140,035
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 4.14% (FHA)
Blended Rate: 5.54%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,371/moAssumable @ 4.14% + gap loan
$2,162/moAssumed loan: $1,237/mo
Gap financing: $925/mo
$209less per month with the assumable
Your Savings on This Property
5750 127th, Brighton · 4.14% FHA vs 6.5% conventional
$209
per month
$2,507
per year
$75,200
over 30 years
$75,199
interest saved
How gap financing works: The equity gap ($140,035) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($19,745, 5% of purchase price) and a second mortgage for the rest ($120,290 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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