Loan Comparison: 3.02% vs 6.5%
1454 Goldeneye, Brighton, CO 80601 · 4bd/2ba · $437,799
List Price
$437,799
Assumable Rate
3.02%
Remaining Balance
$373,592
Equity Gap
$64,207
Loan Type
FHAAdjust Your Scenario
$21,890
$21,890$64,207
8.50%
5%10%
Second mortgage rate on the equity gap
Conventional Rate: 6.5% (30yr fixed)
Assumable Rate: 3.02% (FHA)
Blended Rate: 3.58%
Monthly Payment Comparison
New Conventional @ 6.5%
$2,629/moAssumable @ 3.02% + gap loan
$1,904/moAssumed loan: $1,579/mo
Gap financing: $325/mo
$724less per month with the assumable
Your Savings on This Property
1454 Goldeneye, Brighton · 3.02% FHA vs 6.5% conventional
$724
per month
$8,692
per year
$260,761
over 30 years
$260,761
interest saved
How gap financing works: The equity gap ($64,207) is the difference between the home price and the remaining loan balance. You cover this with a down payment ($21,890, 5% of purchase price) and a second mortgage for the rest ($42,317 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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