Loan Comparison: 3.08% vs 6.5%
8074 Estes, Littleton, CO 80128 · 4bd/2ba · $600,000
List Price
$600,000
Assumable Rate
3.08%
Remaining Balance
$452,020
Equity Gap
$193,236
Loan Type
FHAAdjust Your Scenario
$30,000
$30,000$193,236
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.08% (FHA)
Blended Rate: 4.52%
Monthly Payment Comparison
New Conventional @ 6.5%
$3,603/moAssumable @ 3.08% + gap loan
$3,180/moAssumed loan: $1,925/mo
Gap financing: $1,255/mo
$422less per month with the assumable
Your Savings on This Property
8074 Estes, Littleton · 3.08% FHA vs 6.5% conventional
$422
per month
$5,068
per year
$152,047
over 30 years
$197,303
interest saved
How gap financing works: The equity gap ($193,236) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($30,000, 5% of purchase price) and a second mortgage for the rest ($163,236 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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