20394 Colgate Place
VA Assumable
4.17% Rate
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20394 Colgate Place

Aurora, CO 80013

4
Bedrooms
3
Bathrooms
2,318
Sq Ft

Payment Calculator

$2,853
per month, total
$13,429
cash you bring
No secondary financing needed

The equity gap on this property ($13,429) is less than 5% of the purchase price ($29,950). Your down payment covers the full gap with no second mortgage required.

Down payment$13,429
Effective rate4.17% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$3,597/mo
Assumable @ 4.17%
$2,853/mo
$743less per month
$743
per month
$8,922
per year
$267,654
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
$599,000
Assumable Rate
4.17%
Remaining Balance
$585,571
Loan Type
VA
Est. Equity Gap
$13,429

About This Home

4.75% VA Assumable!! Located on a quiet cul-de-sac in the sought-after Conservatory neighborhood, this spacious home offers the perfect blend of comfort, style, and functionality. The main level features a beautifully updated kitchen with quartz countertops, stainless steel appliances, and durable wood flooring, seamlessly connecting to a bright dining area and a welcoming family room with a gas fireplace and ceiling fan. A sliding glass door leads to the backyard’s two-tiered stamped concrete patio—ideal for outdoor entertaining. Just off the family room, the main-level primary suite provides convenience and privacy, complete with a walk-in closet and a luxurious 5-piece bath. A half bath rounds out the main floor for added guest convenience. Upstairs, a large open loft provides versatile space for a second living area or home office, flanked by two additional bedrooms and a full bathroom. The finished basement includes a generous great room perfect for a non-conforming fourth bedroom, workout space, game room, or home office, along with a large utility room and crawlspace offering ample storage. Outside, enjoy not only the two-tiered patio but also an additional side patio with a pergola for extra outdoor living. This home is equipped with a financed-to-own 6.72 kW solar panel system producing an estimated 8,533 kWh in year one, providing a 101% estimated offset of annual usage. Additional features include a three-car garage with exterior access, an extended driveway, ceiling fans in all bedrooms and the family room, central A/C, and a prime location near shopping, dining, and Buckley Space Force Base—making this home a true standout in today’s market.

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
$599,000
4.17% rateVASave $743/mo

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