Loan Comparison: 3.69% vs 6.5%
19085 66th, Denver, CO 80249 · 4bd/3ba · $449,000
List Price
$449,000
Assumable Rate
3.69%
Remaining Balance
$402,381
Equity Gap
$46,619
Loan Type
FHAAdjust Your Scenario
$22,450
$22,450$46,619
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.69% (FHA)
Blended Rate: 3.96%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,696/moAssumable @ 3.69% + gap loan
$2,036/moAssumed loan: $1,850/mo
Gap financing: $186/mo
$660less per month with the assumable
Your Savings on This Property
19085 66th, Denver · 3.69% FHA vs 6.5% conventional
$660
per month
$7,925
per year
$237,755
over 30 years
$237,755
interest saved
How gap financing works: The equity gap ($46,619) 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 ($24,169 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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