15584 Spruce
FHA Assumable
3.62% Rate
50 photos
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15584 Spruce

Thornton, CO 80602

2
Bedrooms
2
Bathrooms
1,884
Sq Ft

Payment Calculator

$3,130per 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?$26,250
$26,250$191,712
Secondary Financing8.5% Rate
$165,462
Blended rate5.03% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$3,152/mo
Assumable @ 3.62% + gap
$3,130/mo
$22less per month
$22
per month
$264
per year
$7,912
over 30 years

🏦 Loan Details

List Price
$525,000
Assumable Rate
3.62%
Remaining Balance
$407,706
Loan Type
FHA
Est. Equity Gap
$191,712
Annual Taxes
$7,620

About This Home

Amazing opportunity to own a beautifully updated ranch home with an open, inviting layout! Situated on a large lot, this home offers peaceful views of a small reservoir to the east—perfect for enjoying both sunrise and sunset from the charming front porch or the covered back deck. Designed for comfortable living and entertaining, the main level features high ceilings, abundant natural light, and a spacious open floor plan. The kitchen is a standout with a large island, quartz countertops, gas cooktop, stainless steel appliances, and a pantry for extra storage. Luxury laminate flooring flows through the entry, kitchen, dining, and great room areas. The oversized primary bedroom includes an impressively large walk-in closet you have to see to believe. Primary bathroom includes a double sink, quartz counter, walk in shower, and tile floors. You’ll also appreciate the exceptionally clean and easily accessible crawl space—ideal for additional storage. Outside, the home is equipped with sprinkler systems in both the front and back yards, and a rare 3-car garage provides plenty of room for vehicles and toys. This home has been meticulously maintained and is truly move-in ready. Conveniently located near E-470, I-25, and Highway 85, with easy access to shopping, dining, and entertainment in Thornton and Brighton, plus a quick drive to the charm of Old Town Brighton.

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
$525,000
3.62% rateFHASave $1,422/mo

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