$1,000 at closing.
$1,751 per month estimated total payment with fixed amount (principal and interest (P&I)) and variable amount (property taxes and home owners association dues (HOA)).
Sales Price $159,900.
3.5% Down Payment.
First loan is $157,003 FHA 30 year 6.5% fixed rate with 7.47% annual percentage rate (APR).
Second loan is $6,172 CHFA FirstSteps Plus (chfainfo.com) 0.0% rate 0.0% APR “silent second” with no payments and no accrued interest and may be subject to Recapture Tax and loan is due on sale or refinance.
Cash to close is $5,597 down payment plus $5,436 closing costs plus $2,115 prepaids and impounds minus $6,172 second loan minus $5,976 seller concession equals $1,000 total cash required.
Housing expense is $992 first loan P&I plus $0 second loan P&I plus $245 taxes and mortgage insurance plus $514 HOA equals $1,751 total estimated monthly payment.
All figures estimated as of 06/18/26 and subject to change. Borrower must qualify for this owner occupant first time buyer finance program.
This is informational only and should not be relied upon by you. Epique Realty is not a mortgage lender. Loan example is provided by Guild Mortgage Company, LLC (NMLS#3274, www.nmlsconsumerccess.org, www.guildmortgage.com/licensing) who you should contact to learn more about your eligibility for its mortgage products. Financing is shown for comparison only. This is not an offer of credit or commitment to lend. Loans are subject to buyer and property qualification. All information, loan programs, interest rates, and fees are subject to change without notice. Cash reserves may be required for some conventional loans. All loans subject to underwriter approval. Terms and conditions apply. Consult a tax advisor for more information. To learn more, contact Andy Wilson, loan officer, NMLS#272813, at 720-299-7559 or call your lender.
Seller will pay a seller concession for buyer up to 6% of the loan amount with a full price offer that closes by 07/31/26.