12304 51st Avenue
FHA Assumable
2.96% Rate
33 photos
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12304 51st Avenue

Wheat Ridge, CO 80033

2
Bedrooms
3
Bathrooms
1,497
Sq Ft

Payment Calculator

$2,713
per month, total
$29,250
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?$29,250
$29,250$165,846
Second loan$136,596
%
Blended rate4.08% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$3,513/mo
Assumable @ 2.96% + gap
$2,713/mo
$799less per month
$799
per month
$9,594
per year
$287,812
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
$585,000
Assumable Rate
2.96%
Remaining Balance
$419,154
Loan Type
FHA
Est. Equity Gap
$165,846

About This Home

The Wellshire Farmhouse is the largest floorplan at The Ridge at Ward Station - and this home offers the lowest price per square foot in the community! At 2,274 square feet, it features a rare main level bedroom with a ¾ en suite bath, in an ideal location facing a private courtyard just a 5 min walk from the Wheat Ridge / Ward Rd light rail station! Built in 2022, the home also offers an upstairs primary suite with a double vanity and large walk in closet, plus two additional bedrooms and a full bath. With 4 bedrooms and 3.5 baths total, the layout delivers exceptional space and flexibility. The large kitchen flows seamlessly to a formal dining area and a breakfast nook with a peaceful balcony overlooking the quiet community courtyard. Thoughtful upgrades include waterproof LVP flooring, custom lighting, a brick accent wall, soft close cabinetry with upgraded hardware, Kohler fixtures, cable and open stair rail detailing, upgraded electrical and lighting, and added insulation. Tall ceilings throughout complete this exceptional value at $585,000. Don't miss the video tour at https://youtu.be/6HIbh4u1Mn4 Schedule your showing today! *Professional photos coming 9/12/26

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
$585,000
2.96% rateFHASave $799/mo

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