Loan Comparison: 5.12% vs 6.5%
151 Roland, Fort Lupton, CO 80621 · 4bd/3ba · $750,000
List Price
$750,000
Assumable Rate
5.12%
Remaining Balance
$236,082
Equity Gap
$574,216
Loan Type
FHAAdjust Your Scenario
$37,500
$37,500$574,216
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 5.12% (FHA)
Blended Rate: 7.47%
Monthly Payment Comparison
New Conventional @ 6.5%
$4,503/moAssumable @ 5.12% + gap loan
$5,412/moAssumed loan: $1,285/mo
Gap financing: $4,127/mo
Your Savings on This Property
151 Roland, Fort Lupton · 5.12% 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 ($574,216) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($37,500, 5% of purchase price) and a second mortgage for the rest ($536,716 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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