4500 Hoyt
FHA Assumable
2.77% Rate
50 photos
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4500 Hoyt

Wheat Ridge, CO 80033

7
Bedrooms
3
Bathrooms
2,837
Sq Ft

Payment Calculator

$4,186per 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?$43,750
$43,750$261,684
Secondary Financing8.5% Rate
$217,934
Blended rate4.27% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$5,254/mo
Assumable @ 2.77% + gap
$4,186/mo
$1,068less per month
$1,068
per month
$12,816
per year
$384,493
over 30 years

🏦 Loan Details

List Price
$875,000
Assumable Rate
2.77%
Remaining Balance
$613,315
Loan Type
FHA
Est. Equity Gap
$261,684
Annual Taxes
$4,433
HOA/mo
$435

About This Home

This full duplex on a corner lot is ideal for an investor or a perfect house-hacking opportunity. The larger unit, 4510 Hoyt Street, offers 5 bedrooms (one non-conforming) and 2 bathrooms, along with an oversized attached garage that includes a secondary refrigerator. Enjoy a private, fully fenced yard with space for a fire pit and a covered deck. Interior features include stainless steel appliances, granite countertops, hardwood floors, and a dedicated laundry room with washer, dryer, and utility sink.\r \r The second unit, 4500 Hoyt Street, features 2 bedrooms and 1 bathroom, with its own private laundry room—washer and dryer included. This unit has been beautifully updated with stainless steel appliances, solid wood cabinets, granite countertops, hardwood floors, and above-cabinet lighting. Additional highlights include a radon mitigation system and a crawl space lined with plastic.\r \r Each unit has a private entrance and is only connected by the garage wall, with no shared living walls. Both units include sprinkler systems, fully fenced individual yards, concrete driveways, and benefit from shared solar power for electric.\r \r The property is ideally located close to major roads, shopping, restaurants, trails, parks, and so much more offering both convenience and lifestyle appeal for owners and tenants alike.

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
$875,000
2.77% rateFHASave $2,412/mo

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