Swipe to explore, or use the arrows. Primary listing photo shown first. Listing photos: MLS 5640276, courtesy of Keller Williams Realty Urban Elite. Photo rights remain with their respective owners.
A Harvey Park home to explore, with a payment guide that looks beyond the asking price.
$535,000
4 bedrooms · 3 bathrooms · 2,030 finished sq. ft. 1 full bath, 1 three-quarter bath and 1 half bath Detached single-family home · Built in 1957 Denver, CO 80219
Saturday open house
September 19, 2026 11 a.m. to 1 p.m., Denver time
Published schedule and $535,000 asking price checked September 16. Confirm availability and timing with Janie before traveling.
For showings, property details and offers, contact Janie. For payment options, use the Milestone inquiry form below. Contact details verified on Janie’s official website.
Listing courtesy of Janie Halaba, Keller Williams Realty Urban Elite, MLS 5640276 via REcolorado/MLS GRID. Milestone Home Mortgage provides financing education and is not the listing brokerage or open-house host. No seller credit or buydown is represented as approved for this property.
A closer look
2337 S Patton Court Denver: home highlights
The listing describes hardwood floors on the main level, a formal dining room and a finished basement with additional gathering space. A fenced backyard includes garden beds and an apple tree. Review the home’s condition, layout and current disclosures with Janie at the open house.
The reported 2,030 finished square feet include 1,198 above grade and 832 below grade. Bathroom counts are sometimes summarized differently on real estate portals; this guide uses the detailed breakdown of one full bath, one three-quarter bath and one half bath. Confirm measurements and room details during your property review.
Listing information is a snapshot, not a substitute for inspection, appraisal, title review or the seller’s disclosures.
Start with the complete monthly picture
2337 S Patton Court payment examples
Hypothetical educational worksheet, not a rate quote, Loan Estimate or financing offer. The selected assumptions demonstrate the math and do not establish that a rate, insurance premium, credit or buydown is available. Request current, personalized terms before making a financing decision.
30-year conventional fixed-rate example: 7.000% note rate; 7.070% illustrative annual percentage rate (APR). Purchase price $535,000; 20% down ($107,000); loan amount $428,000; 360 monthly payments; zero discount points; $3,000 assumed prepaid finance charges. Owner-occupied purchase. Actual eligibility, pricing, APR and fees depend on the borrower, property and lender.
Baseline monthly breakdown
Principal & interest: $2,847.49 Property-tax allowance: $252.50 Homeowners-insurance allowance: $350.00 HOA dues assumed: $0.00 Mortgage insurance: $0.00 with this 20%-down conventional example.
Modeled monthly housing payment: $3,449.99
What is estimated?
The listing reports $3,030 of property tax for 2025, equivalent to $252.50/month. This historical amount is a planning allowance, not a guarantee of the next bill. No HOA is reported; confirm dues and any special assessments before an offer.
The $350 and $300 monthly insurance figures are assumptions, not property-specific quotes. Taxes, insurance and assessments can change. Maintenance and utilities are additional ownership costs.
Illustrated strategy
Months 1–12 Monthly total
Months 13–360 Monthly total*
Baseline, no buydown
$3,449.99
$3,449.99
Shop insurance only
$3,399.99
$3,399.99
Funded 1-0 buydown only
$3,168.58
$3,449.99
Insurance shopping + funded 1-0 buydown
$3,118.58
$3,399.99
*Totals include the tax and insurance allowances above, with $0 modeled for HOA and mortgage insurance. Insurance-shopping rows use $300/month rather than $350. Costs are held constant only to isolate the strategies; actual escrow payments can rise. The combined example increases by approximately $281/month after month 12, even if taxes and insurance do not change.
The contractual principal-and-interest payment is $2,847.49 for 360 months, subject to final rounding. With the modeled funded 1-0 buydown, the buyer contributes $2,566.08 toward principal and interest for months 1–12, then $2,847.49 for months 13–360. A separate funded subsidy account supplies the first-year difference. The 7.000% note rate and 7.070% illustrative APR remain unchanged. This fully amortizing example has no balloon payment.
APR is estimated using $425,000 of amount financed ($428,000 less $3,000 assumed prepaid finance charges) and the full scheduled note payments, with monthly payment periods. The seller/lender-funded subsidy is not treated here as a borrower-paid charge. Actual APR requires the actual fees and timing. The $107,000 down payment is not total cash to close: closing costs, prepaid interest, insurance and initial escrow deposits are additional, less any approved credits. No rate lock or contribution has been secured.
How to work the payment down
An ongoing expense to compare
1. Shop homeowners insurance
Milestone shops homeowners insurance for clients. In this worksheet, a comparable policy at $3,600/year instead of an assumed $4,200/year would save $50/month, or $600/year. These are demonstration inputs, not quotes for 2337 S Patton Court.
Compare replacement-cost coverage, roof settlement provisions, wind/hail deductibles and exclusions. A lower premium is not necessarily a better value if it leaves inadequate protection or an unaffordable deductible. Savings may change at renewal.
Temporary first-year assistance
2. Evaluate a funded 1-0 buydown
The first-year buyer contribution is calculated at the payment equivalent of 6.000% for 12 months, while the mortgage’s 7.000% note rate and 7.070% illustrative APR remain unchanged for the 30-year example. Approximately $3,377 would need to be funded at closing for the subsidy reserve.
The buyer must qualify at the full note payment under applicable underwriting rules. Seller or lender funding, loan eligibility and the written buydown agreement must be approved. This is temporary cash-flow relief, not a permanently lower rate or automatic benefit of this listing.
The combined example
Insurance shopping plus the funded buydown provides approximately $331/month of first-year relief in this worksheet. Beginning in month 13, the subsidy ends. Only the assumed $50 insurance difference remains, and only while the lower premium is available. Review the full payment schedule and assumptions above.
3. Compare a seller credit with a price reduction
A hypothetical $5,000 seller credit could cover the approximately $3,377 buydown reserve, with roughly $1,623 potentially available for other eligible closing costs. No such credit is advertised or approved for this home. Your agent would negotiate any seller contribution, and the lender would confirm permitted uses and limits.
An otherwise identical $5,000 price reduction, keeping 20% down, would reduce the loan by $4,000 and principal and interest by about $26.61/month. It would also reduce the down payment by $1,000. A price reduction and a closing-cost credit solve different problems: compare first-year cash flow, cash to close and long-term loan costs.
4. Review permanent points and down-payment choices
Permanent discount points require an actual lender quote. Compare their upfront cost with monthly savings and how long you expect to keep the loan; there is no universal conversion from points to a rate reduction. Lower-down-payment conventional or FHA options may preserve savings but can increase the loan and add mortgage insurance. Twenty percent down is a worksheet assumption, not a universal requirement.
Property: 2337 S Patton Court, Denver, CO 80219 · MLS 5640276
Ask Michael for a personalized payment comparison, insurance-shopping help or buydown options. For showings and property questions, Janie’s direct contact details are in the first box above. Your message below is prefilled with this home’s address, MLS number and page URL.
Submitting this form requests a response from Milestone Home Mortgage. Text-message consent is a separate Yes/No choice; choosing No does not prevent your inquiry. Do not enter Social Security numbers, account numbers or financial documents. Use the secure loan application for sensitive information.
No. The published Saturday, September 19, 2026 schedule of 11 a.m. to 1 p.m. was checked September 16. Contact Janie before leaving to confirm that the home remains available and the open house is proceeding.
Does the home include an approved free buydown or matching credit?
No. This page illustrates possible strategies only. Spotlight placement does not establish approval of a seller credit, lender contribution, free buydown or other incentive. Obtain written eligibility and funding terms before relying on any program.
Can you calculate this with my actual down payment?
Yes. Use the property-specific form to request a comparison. Michael can review loan choices, mortgage insurance, cash to close and current pricing using your circumstances. A future refinance is not assumed to make an unaffordable payment safe today.
Home buying negotiations do not end with the purchase price. The amount you bring to closing, the repairs you inherit, and the day you receive the keys can matter just as much to your next move.
Imagine two offers on the same Colorado home. One asks for a lower price. The other asks for help...
Michael and Melissa are always a pleasure to work with. They are extremely responsive, professional and work hard to get the best loan for us. I would recommend Colorado Mortgage to anyone. Thank you for another great experience!
