635 Ash
FHA Assumable
2.87% Rate
50 photos
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635 Ash

Ault, CO 80610

5
Bedrooms
3
Bathrooms
2,435
Sq Ft

Payment Calculator

$1,970per 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?$22,000
$22,000$86,917
Secondary Financing8.5% Rate
$64,917
Blended rate3.74% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$2,642/mo
Assumable @ 2.87% + gap
$1,970/mo
$672less per month
$672
per month
$8,069
per year
$242,079
over 30 years

🏦 Loan Details

List Price
$440,000
Assumable Rate
2.87%
Remaining Balance
$354,645
Loan Type
FHA
Est. Equity Gap
$86,917
Annual Taxes
$2,105
HOA/mo
$310

About This Home

Welcome home to 635 Ash Ave - space, updates, and small-town charm all in one. This beautifully refreshed home offers 5 spacious bedrooms, 3 bathrooms, and room to truly spread out - all with NO HOA and NO metro district taxes. From the moment you walk in, you'll notice the fresh interior paint and new LED lighting throughout (kitchen, dining, and bedrooms), creating a bright, modern feel. The kitchen features stainless steel appliances and flows nicely into the main living spaces, perfect for everyday living and entertaining. The main-level primary suite includes a large walk-in closet and a private bath with a spa-style soaking tub - a perfect place to unwind. Downstairs, you'll find a large rec room, additional office space, and plenty of storage - giving you flexibility for work, play, or guests. Major systems have been thoughtfully updated, including a complete HVAC overhaul in 2022 (A/C and furnace), offering excellent peace of mind. The roof is approximately 10 years old. Step outside to a large backyard with a huge deck and mature landscaping - with "plant-y" of potential for a garden, entertaining, or just relaxing. There's also RV/boat parking and a large 2-car garage featuring updated LED lighting and a built-in workbench. Located in the growing community of Ault, you'll enjoy small-town living with convenient access to everything: 24 minutes to Old Town Fort Collins; 16 minutes to Pawnee Grasslands; Easy access to Highway 85 and I-25. If you're looking for space, updates, and value - this home delivers. Available for a quick closing - come take a look! NOTE: Some photos have been AI-augmented or virtually enhanced to help illustrate potential possibilities for the space. These are intended for inspiration, and the property may appear differently in person.

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
$440,000
2.87% rateFHASave $1,014/mo

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