5200 123rd
FHA Assumable
4.51% Rate
50 photos
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5200 123rd

Thornton, CO 80241

3
Bedrooms
3
Bathrooms
1,696
Sq Ft

Payment Calculator

$3,280per 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?$24,500
$24,500$374,795
Secondary Financing8.5% Rate
$350,295
Blended rate7.51% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$2,942/mo
Assumable @ 4.51% + gap
$3,280/mo
$0
per month
$0
per year
$0
over 30 years

🏦 Loan Details

List Price
$490,000
Assumable Rate
4.51%
Remaining Balance
$115,636
Loan Type
FHA
Est. Equity Gap
$374,795
Annual Taxes
$3,413
HOA/mo
$60

About This Home

Affordable living in the convenient Concord neighborhood in Thornton with no HOA. This inviting 3-bedroom, 2.5-bath home offers an open floor plan, flexible living spaces, and easy access to schools, parks, trails, shopping, dining, and commuter routes. Tile flooring flows throughout the main level, where the kitchen and dining area seamlessly connect to the spacious family room, creating an ideal setting for everyday living and entertaining. Plenty of natural light fills these inviting spaces. All kitchen appliances are included, along with the washer and dryer, making this home truly move-in ready. Step outside from the dining area onto the patio overlooking the backyard — the perfect spot for relaxing, grilling, or enjoying Colorado evenings. Enjoy the additional deck creating more space for entertaining. The main level also features the laundry and a half bath. Upstairs, you’ll find the primary bedroom with vaulted ceilings and a large walk in closet, a secondary bedroom, a full bath with a granite countertop, and a versatile loft with a closet that could easily be converted into a 4th bedroom, home office, or playroom. The finished basement expands the living space with a 3rd bedroom area, a 3/4 bath, and durable concrete floors for a modern, low-maintenance touch. Important updates include a Class 4 impact-resistant roof installed in 2024 and a new hot water heater in 2023 for added peace of mind and potential insurance savings. Enjoy an ideal Thornton location near Skyview Elementary School, Shadow Ridge Middle School, nearby parks and trails, plus convenient access to the Eastlake & 124th Ave N Line Station for commuting to downtown Denver or Denver International Airport. Affordable living with room to personalize and make it your own — don’t miss this opportunity!

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
$490,000
4.51% rateFHASave $2,077/mo

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