3385 White Oak
FHA Assumable
2.96% Rate
50 photos
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3385 White Oak

Highlands Ranch, CO 80129

3
Bedrooms
3
Bathrooms
2,376
Sq Ft

Payment Calculator

$4,806per 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$422,317
Secondary Financing8.5% Rate
$378,567
Blended rate5.49% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$5,254/mo
Assumable @ 2.96% + gap
$4,806/mo
$449less per month
$449
per month
$5,383
per year
$161,482
over 30 years

🏦 Loan Details

List Price
$875,000
Assumable Rate
2.96%
Remaining Balance
$451,699
Loan Type
FHA
Est. Equity Gap
$422,317
Annual Taxes
$4,817
HOA/mo
$171

About This Home

Welcome to this stunning fully renovated two-story home in coveted Westridge Village, Highlands Ranch — offering 3 bedrooms, 3 bathrooms, and 3,494 square feet of thoughtfully upgraded living space. Every inch has been reimagined with modern finishes: a $40K kitchen remodel showcasing a quartz island, extended quartz counters, Wolf 5-burner gas cooktop with downdraft, GE Profile stainless oven/microwave, custom cabinetry with pull-out drawers, and designer tile backsplash ($5K). LVT flooring spans the entire main level with brand-new carpet upstairs. Fresh paint, updated hardware, new ceiling fans, and Bali cellular shades ($10K) complete the interior refresh. Soaring vaulted ceilings and quality windows bathe the open floor plan in natural light. Signature arched doorways frame the kitchen while a custom arched window opens to the backyard patio. Upstairs, a generous primary suite awaits with a walk-in closet and remodeled 5-piece bath featuring dual quartz vanity, corner soaking tub, frosted glass windows, and designer lighting. Two additional bedrooms share an updated full bath. Love the outdoors? Raised garden beds with drip irrigation await, plus miles of trails just outside your door. Through HRCA, you'll have access to all 4 rec centers featuring pools, fitness classes, and parks. The Westridge Rec Center is under a mile away! Major systems are dialed in: new furnace (2025), AC (2024), triple-pane UV windows throughout, dual hot water heaters, and Maytag washer/dryer included. Impeccably maintained and move-in ready. This is Highlands Ranch living at its finest.

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
2.96% rateFHASave $3,154/mo

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