Loan Comparison: 2.68% vs 6.5%
7671 Berwyn, Peyton, CO 80831 · 4bd/3ba · $507,500
List Price
$507,500
Assumable Rate
2.68%
Remaining Balance
$342,230
Equity Gap
$202,925
Loan Type
FHAAdjust Your Scenario
$25,375
$25,375$202,925
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 2.68% (FHA)
Blended Rate: 4.67%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,047/moAssumable @ 2.68% + gap loan
$2,750/moAssumed loan: $1,384/mo
Gap financing: $1,365/mo
$298less per month with the assumable
Your Savings on This Property
7671 Berwyn, Peyton · 2.68% FHA vs 6.5% conventional
$298
per month
$3,572
per year
$107,167
over 30 years
$144,822
interest saved
How gap financing works: The equity gap ($202,925) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($25,375, 5% of purchase price) and a second mortgage for the rest ($177,550 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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