12536 Albion Street
FHA Assumable
2.78% Rate
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12536 Albion Street

Thornton, CO 80601

4
Bedrooms
4
Bathrooms
2,611
Sq Ft

Payment Calculator

$2,744
per month, total
$30,745
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?$30,745
$30,745$151,646
Second loan$120,901
%
Blended rate3.76% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$3,692/mo
Assumable @ 2.78% + gap
$2,744/mo
$948
per month
$11,380
per year
$341,401
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
$614,900
Assumable Rate
2.78%
Remaining Balance
$463,254
Loan Type
FHA
Est. Equity Gap
$151,646

About This Home

Step inside to find multiple living spaces, luxury vinyl plank flooring, newer Anderson windows, updated lighting, and two wood-burning fireplaces that bring warmth and character to both the living and family rooms(electric insert in the family room). The remodeled kitchen is ready for everyday living and entertaining with quartz countertops and backsplash, stainless steel appliances, abundant cabinetry, and a formal dining area nearby. Upstairs, the thoughtfully designed layout really sets this home apart. The custom primary suite features a spacious walk-in closet and private bath with dual sinks and a jetted tub. A versatile loft provides the perfect spot for a home office, reading area, playroom, or additional lounge space, while two additional bedrooms complete the upper level. Need more room down the road? The large unfinished basement offers incredible flexibility for future living space, a home gym, recreation room, office, or additional storage. An active radon mitigation system is also already installed for peace of mind. Outside, enjoy low-maintenance landscaping, a welcoming front porch, a 2-car garage, dedicated trailer parking, and a spacious backyard complete with a deck, gazebo, and storage shed. With no HOA, you’ll have even more flexibility to enjoy the property and make it your own. A new roof will be installed before closing, reducing insurance costs and benefiting you for years to come. With so many updates already completed and additional space for the future, this home offers the opportunity to move in and enjoy from day one. Ask about available buyer incentives that may cover an interest-rate buydown and a home warranty. Come see the space, updates, flexibility, and value this Woodglen Meadows home has to offer!

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
$614,900
2.78% rateFHASave $948/mo

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