Loan Comparison: 3.92% vs 6.5%
8294 Annapolis, Windsor, CO 80528 · 5bd/4ba · $846,900
List Price
$846,900
Assumable Rate
3.92%
Remaining Balance
$309,843
Equity Gap
$537,815
Loan Type
FHAAdjust Your Scenario
$42,345
$42,345$537,815
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.92% (FHA)
Blended Rate: 6.74%
Monthly Payment Comparison
New Conventional @ 6.5%
$5,085/moAssumable @ 3.92% + gap loan
$5,275/moAssumed loan: $1,465/mo
Gap financing: $3,810/mo
Your Savings on This Property
8294 Annapolis, Windsor · 3.92% FHA vs 6.5% conventional
$0
per month
$0
per year
$0
over 30 years
$0
interest saved
How gap financing works: The equity gap ($537,815) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($42,345, 5% of purchase price) and a second mortgage for the rest ($495,470 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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