15865 Josephine Circle
FHA Assumable
2.8% Rate
30 photos
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15865 Josephine Circle

Thornton, CO 80602

5
Bedrooms
5
Bathrooms
2,602
Sq Ft

Payment Calculator

$2,647
per month, total
$26,000
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?$26,000
$26,000$240,218
Second loan$214,218
%
Blended rate4.84% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$3,122/mo
Assumable @ 2.8% + gap
$2,647/mo
$475
per month
$5,700
per year
$170,987
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
$520,000
Assumable Rate
2.8%
Remaining Balance
$279,782
Loan Type
FHA
Est. Equity Gap
$240,218
Annual Taxes
$8,666

About This Home

LOOK! 4 bedroom 3 bathroom bright & open ranch home w/high ceilings, 8 foot doors & PROFESSIONALLY finished Fantastic basement in Cundall Farms. Main level needs some work but seemingly not a lot., priced at $520 for a quick sale. Original CARPETING ON THE MAIN LEVEL HAS BEEN REMOVED. NO FHA OR VA FINANCING. IF conventional Financing then check with your underwriter first regarding the lack of carpet in the bedrooms. This was a new KB home in 2016 with lots of upgrades! A few years later the seller spent $200k to finish the basement into a tastefully done living space which can be entered from the garage or from the house. If you are up for doing some cosmetics & some repairs then come take a look. AS-IS, SELLER WILL NOT BE DOING ANY REPAIRS. One-level living ranch-style home in Cundall Farms at Trailside in Thornton. The main level is a bright open floorplan with large windows that flood the home with natural light. Kitchen features 42-inch cabinets, pull-out drawers for seamless organization, & decorative back splash. Kitchen comes equipped with refrigerator, microwave, and dishwasher (stove has been removed). You will find on the main level, 2 secondary bedrooms that share a full bath along with a dedicated office/den—providing an ideal setup for remote work or a quiet library. Basement is delightful & functions as a secondary residence, with a small kitchen but no stove, 1 bedroom w/large closet, beautifully finished tile flooring, 1 full bathroom with decorative tile w/seat in shower area, active radon mitigation system installed, large crawl space for all your storage needs. Step outside to your private outdoor oasis: a 24’ x 10’ rear Trex deck designed for low-maintenance entertaining & relaxation. The property is ideally located just one block from Trailside Community Park. Attached 20’ x 20’ two-car garage with built-in storage shelving. Seller had cats in the property, & 2 dogs in the basement. Call listing broker with any questions.

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
$520,000
2.8% rateFHASave $475/mo

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