12175 Bellaire Street
FHA Assumable
2.89% Rate
36 photos
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12175 Bellaire Street

Thornton, CO 80022

4
Bedrooms
5
Bathrooms
4,247
Sq Ft

Payment Calculator

$2,037
per month, total
$20,750
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?$20,750
$20,750$161,198
Second loan$140,448
%
Blended rate4.53% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$2,492/mo
Assumable @ 2.89% + gap
$2,037/mo
$455
per month
$5,458
per year
$163,749
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
$415,000
Assumable Rate
2.89%
Remaining Balance
$253,801
Loan Type
FHA
Est. Equity Gap
$161,198
Annual Taxes
$2,510

About This Home

This charming, updated tri-level home offers 3 bedrooms, 2 bathrooms, and approximately 1,571 square feet of livable space. The main level features 1,111 square feet, with an additional 460 square feet in the finished lower level, including a spacious family room and a non-conforming bedroom. The home also features a finished and insulated 2-car garage, plus ample side parking with room for a long RV and trailer. Numerous updates have already been completed, including a newer roof, furnace, central air conditioning, water heater, water softener, remodeled kitchen, newer appliances, and fresh interior paint, making this home truly move-in ready. The upper level features a bright living room, remodeled kitchen, and three bedrooms. The finished lower level provides additional living space with a large family room, a non-conforming bedroom, a utility room, and a laundry room—ideal for guests, a home office, or recreation. Currently tenant-occupied and used as a rental property, this home presents an excellent opportunity for investors seeking immediate rental income or buyers looking for a future owner-occupied residence.

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
$415,000
2.89% rateFHASave $455/mo

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