1322 Carriage
FHA Assumable
3.23% Rate
50 photos
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1322 Carriage

Longmont, CO 80501

3
Bedrooms
2
Bathrooms
1,272
Sq Ft

Payment Calculator

$2,533per 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?$21,750
$21,750$143,657
Secondary Financing8.5% Rate
$121,907
Blended rate4.54% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$2,612/mo
Assumable @ 3.23% + gap
$2,533/mo
$79less per month
$79
per month
$944
per year
$28,322
over 30 years

🏦 Loan Details

List Price
$435,000
Assumable Rate
3.23%
Remaining Balance
$367,647
Loan Type
FHA
Est. Equity Gap
$143,657
Annual Taxes
$2,907
HOA/mo
$104

About This Home

Fall in love with the storybook charm of this delightful cottage in Longmont’s highly desirable Quail Ridge neighborhood. From the moment you arrive, the inviting front porch and picture-perfect curb appeal set the tone for the warmth found inside. The heart of the home is a spacious, open-concept floor plan where the kitchen, dining, and living areas flow together seamlessly. The kitchen is designed for gathering, featuring a central island and a cozy dining nook tucked against sun-filled windows. The living room serves as a bright, airy retreat, with a door that opens directly to the backyard. The main level is thoughtfully designed for comfort and convenience. The primary bedroom features semi-private en-suite access to a beautifully laid-out full bath. This clever design includes a central tub/shower area flanked by dual vanities, allowing it to function as a private primary retreat while remaining accessible for guests. Two additional bedrooms provide ample space for family, a home office, or a hobby room, and a dedicated laundry room offers direct access to the attached one-car garage, complete with built-in storage. Step outside to discover your own private sanctuary. The fenced backyard is a sunny haven featuring a perfect patio for morning coffee. Beyond the home, Quail Ridge offers an incredible lifestyle; enjoy community-focused events year round. With its proximity to parks, local dining, shopping, and easy highway access, this home isn’t just a place to live—it’s a place to thrive.

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
$435,000
3.23% rateFHASave $1,173/mo

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