5820 Rose Lane
FHA Assumable
6.26% Rate
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5820 Rose Lane

Commerce City, CO 80022

5
Bedrooms
3
Bathrooms
1,399
Sq Ft

Payment Calculator

$2,930
per month, total
$24,750
cash you bring

In an assumption, your down payment covers the seller's equity. You'll need at least 5% of the purchase price in cash, and the rest can be covered with secondary financing.

How much can you bring down?$24,750
$24,750$62,303
Second loan$37,553
%
Blended rate6.36% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$2,972/mo
Assumable @ 6.26% + gap
$2,930/mo
$43less per month
$43
per month
$513
per year
$15,379
over 30 years

Estimates only, not a loan offer, quote, or approval. Payments are principal and interest and exclude taxes, insurance, HOA dues and closing costs. The second-loan rate is an assumption you can edit, not a quoted rate. Assumption terms are subject to lender and servicer approval and verification.

🏦 Loan Details

List Price
$495,000
Assumable Rate
6.26%
Remaining Balance
$432,697
Loan Type
FHA
Est. Equity Gap
$62,303

About This Home

INFORMAL DUPLEX with private entrance to basement!! Basement was rented out for $1800/month recently. Live upstairs and rent out the basement with the full kitchen. One of a kind with incredible value! Featuring TWO FULL KITCHENS and a private exterior entrance to the finished basement, this home is perfectly suited for multi-generational living, a true mother-in-law suite, or an owner-occupant looking to live on the main level while utilizing the private basement as a potential income-producing rental. Opportunities like this are incredibly rare! The main level offers comfortable single-level living with 2 bedrooms, 2 bathrooms, and a beautifully remodeled kitchen featuring modern finishes and an inviting layout. Downstairs, the fully finished basement offers exceptional privacy with its own private exterior entrance, full kitchen, spacious living room, full bathroom, and two additional non-conforming rooms, creating a flexible space for extended family, guests, or a variety of living arrangements. Major upgrades provide peace of mind, including new triple-pane windows, a new electrical panel, and numerous additional improvements throughout. Step outside to enjoy the new covered patio, perfect for entertaining or relaxing year-round. The property also features a large storage shed and an oversized driveway with room for up to seven vehicles, making parking for guests, work vehicles, RVs, or recreational toys. Location is another standout feature! Enjoy a short walk to Pioneer Park. You're also just minutes from the Commerce City Recreation Center, shopping, restaurants, and have quick access to I-70 and I-270, making commuting throughout the Denver metro area simple. Whether you're searching for a home with income potential, a true multi-generational layout with a private mother-in-law suite, or simply a beautifully updated home with incredible flexibility, this property offers possibilities that are hard to find. Don't miss this rare opportunity!

Listing information is deemed reliable but not guaranteed. All data provided by the MLS and is subject to change. The Assumable Guy is not the listing agent for this property. Contact us to connect with the listing agent and explore assumable financing options.

This listing
$495,000
6.26% rateFHASave $43/mo

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