4395 122nd
FHA Assumable
5.41% Rate
50 photos
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4395 122nd

Thornton, CO 80241

3
Bedrooms
2
Bathrooms
1,538
Sq Ft

Payment Calculator

$2,756per 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?$24,875
$24,875$72,618
Secondary Financing8.5% Rate
$47,743
Blended rate5.72% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$2,987/mo
Assumable @ 5.41% + gap
$2,756/mo
$232less per month
$232
per month
$2,781
per year
$83,417
over 30 years

🏦 Loan Details

List Price
$497,500
Assumable Rate
5.41%
Remaining Balance
$424,882
Loan Type
FHA
Est. Equity Gap
$72,618
Annual Taxes
$3,306
HOA/mo
$353

About This Home

Welcome Home—where thoughtful updates meet comfort, style, and peace of mind. The standout features of this property are the extensive list of recent improvements, giving you confidence in both function and longevity. In 2025, a brand-new HVAC system complete with central air was installed, ensuring year-round comfort through Colorado’s changing seasons. A new roof was installed, adding long-term value and protection. An electrical panel providing modern efficiency and reliability for today’s technology needs. The upgrades continue with a new sprinkler system to keep your outdoor spaces lush and low-maintenance.\r The care and attention don’t stop there. In 2022, the home was enhanced with new windows and doors, improving energy efficiency, natural light, and overall curb appeal. These updates not only elevate the look and feel of the home but also help reduce utility costs!\r Inside, you’ll find a welcoming layout designed for both everyday living and entertaining. Natural light pours through the newer windows, creating a warm and inviting atmosphere throughout the home. The living spaces flow comfortably, offering flexibility for relaxing evenings, hosting gatherings, or working from home.\r Step outside and you’ll appreciate the benefits of the newly installed sprinkler system, making it easy to maintain a vibrant yard without the hassle. Whether you envision summer barbecues, a garden oasis, or simply a quiet place to unwind, the outdoor space is ready for your personal touch.\r Located in a convenient Thornton neighborhood, easy access to local parks, shopping, dining, and commuter routes, making daily life both simple and enjoyable. If you are a Krispy Kreme fan you are only 6 minutes away! Whether you're heading into Denver or exploring the surrounding area, you’ll love the accessibility this location provides.\r This is more than just a home—it’s a smart investment with major upgrades already completed for you. Opportunities like this don’t come along often!

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
$497,500
5.41% rateFHASave $473/mo

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