Loan Comparison: 3.62% vs 6.5%
2045 Crystal, Loveland, CO 80537 · 4bd/2ba · $449,000
List Price
$449,000
Assumable Rate
3.62%
Remaining Balance
$273,062
Equity Gap
$185,294
Loan Type
FHAAdjust Your Scenario
$22,450
$22,450$185,294
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.62% (FHA)
Blended Rate: 5.44%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,696/moAssumable @ 3.62% + gap loan
$2,497/moAssumed loan: $1,245/mo
Gap financing: $1,252/mo
$199less per month with the assumable
Your Savings on This Property
2045 Crystal, Loveland · 3.62% FHA vs 6.5% conventional
$199
per month
$2,393
per year
$71,792
over 30 years
$81,148
interest saved
How gap financing works: The equity gap ($185,294) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($22,450, 5% of purchase price) and a second mortgage for the rest ($162,844 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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