13680 Spruce Street
FHA Assumable
2.94% Rate
44 photos
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13680 Spruce Street

Thornton, CO 80241

3
Bedrooms
2
Bathrooms
1,571
Sq Ft

Payment Calculator

$3,292
per month, total
$34,950
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?$34,950
$34,950$217,874
Second loan$182,924
%
Blended rate4.20% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$4,197/mo
Assumable @ 2.94% + gap
$3,292/mo
$905
per month
$10,864
per year
$325,910
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
$699,000
Assumable Rate
2.94%
Remaining Balance
$481,126
Loan Type
FHA
Est. Equity Gap
$217,874
Annual Taxes
$4,110
HOA/mo
$75

About This Home

*Assumable FHA 3.125% interest rate for qualified buyers.* Welcome home! This spacious and beautifully maintained 5-bedroom, 3-bathroom home offers plenty of room to live, work, and entertain. The finished basement, completed in spring 2022, is a fantastic extension of the home—perfect for guests, entertaining, or additional living space. There is also a large unfinished area currently used as a gym and storage, providing plenty of flexibility to fit your needs. On the main floor, you’ll find newer LVP flooring installed in November 2024, along with a well-appointed kitchen designed for convenience, including cabinets with pull-out drawers for easy organization. A new stove was installed in June 2026, and the washer and dryer are included. A large mudroom provides the perfect drop zone for everyday essentials, while the oversized 2-car garage offers plenty of space for vehicles, storage, and more. Located in a welcoming neighborhood with activities and events throughout the year, residents can enjoy movie nights, food trucks, an annual egg hunt, and more. With spacious living areas, thoughtful updates, flexible spaces, and a strong sense of community, this home offers the comfort and functionality you’ve been looking for!

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
$699,000
2.94% rateFHASave $905/mo

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