12921 108th
FHA Assumable
3.77% Rate
50 photos
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12921 108th

Commerce City, CO 80022

3
Bedrooms
3
Bathrooms
2,282
Sq Ft

Payment Calculator

$2,743per month

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?$24,500
$24,500$215,362
Secondary Financing8.5% Rate
$190,862
Blended rate5.71% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$2,942/mo
Assumable @ 3.77% + gap
$2,743/mo
$200less per month
$200
per month
$2,396
per year
$71,893
over 30 years

🏦 Loan Details

List Price
$490,000
Assumable Rate
3.77%
Remaining Balance
$274,638
Loan Type
FHA
Est. Equity Gap
$215,362
Annual Taxes
$8,132

About This Home

Welcome to your chance to get into Turnberry at a price you can’t beat.\r 12921 E 108th Way is that rare opportunity in Commerce City — a solid A-Frame–style home with great bones, a functional layout, and room to grow. Yes, it needs a little love… but that’s exactly where the upside is. With some vision and elbow grease, you can make this home truly yours and build equity from day one.\r \r Step inside to an open living room that flows into a bright eat-in kitchen featuring a kitchen island, pantry, and all major appliances included. Upstairs, you’ll find three comfortable bedrooms and two full baths, giving your family space to spread out. Need more room? The unfinished basement—already offering over 1,000 sq ft—gives you the perfect canvas to add a rec room, extra bedroom, gym, office, or anything your lifestyle calls for.\r \r Outside, you get a backyard big enough for BBQs, playtime, pets, or future landscaping ideas. The attached 2-car garage adds everyday convenience.\r \r But what really sells this home is the location:\r You’re walking distance to multiple parks, schools in School District 27J, and the Bison Ridge Rec Center. Plus, with quick access to Tower Rd., I-76, E-470, and DIA, commuting anywhere in the Denver metro is easy and stress-free.\r \r If you’ve been waiting for the right deal, a home you can customize without breaking the bank, this is it! Perfect for first-time buyers, growing families, or anyone who wants a smart investment in a thriving neighborhood.\r \r Come see the potential. Come make it your own.

Data Source: REcolorado MLS

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
$490,000
3.77% rateFHASave $1,359/mo

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