1.99% VA
Certified
$600,000
$1,718/mo
6364 Galway Drive
Colorado Springs, CO
5 bd4 ba3,807 sqft
Colorado Springs, Colorado
Keep the rate.
Buy the home in Colorado Springs.
1,256 assumable homes for sale in Colorado Springs, with locked rates from 2.18%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
4.93%
vs 7.2% market
$712/mo saved
Median locked rate
4.93%
Across 1256 assumable listings
Typical monthly savings
$712
On a $433,200 home vs 7.2%
Certified listings
3
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Colorado Springs
Homes with a rate worth keeping
1.99% VA
Certified
$600,000
$1,718/mo
6364 Galway Drive
Colorado Springs, CO
5 bd4 ba3,807 sqft
6.95% VA
Certified
$449,999
$2,995/mo
4121 Tree Creek Trail
Colorado Springs, CO
3 bd4 ba2,116 sqft
2.79% VA
$485,000
$2,849/mo
4932 Horseshoe Bend Street
Colorado Springs, CO
4 bd3 ba2,250 sqft
2.79% VA
$485,000
$2,849/mo
4932 Horseshoe Bend Street
Colorado Springs, CO
4 bd3 ba2,250 sqft
2.86% VA
$455,000
$2,038/mo
3317 Bijou Street
Colorado Springs, CO
4 bd2 ba2,202 sqft
Inventory snapshot
What’s assumable in Colorado Springs right now
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 1,256
- Certified / verified
- 3
- Lowest rate
- 2.18%
- Median rate
- 4.93%
- Median list price
- $433,200
- Median cash to assume
- $104,799
Listings by locked rate
- Under 4%527 homes
- 4% – 5%114 homes
- 5% – 6%107 homes
- 6% and up497 homes
Listings by loan type
- VA989 homesmedian 4.27%
- FHA267 homesmedian 6.07%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Colorado Springs ZIP code
- 80925
140 assumable homes · median 5.30%
median $430,000
- 80916
101 assumable homes · median 4.98%
median $340,000
- 80911
89 assumable homes · median 5.25%
median $360,000
- 80922
80 assumable homes · median 6.13%
median $455,000
- 80908
79 assumable homes · median 4.00%
median $629,900
- 80910
71 assumable homes · median 5.14%
median $339,900
- 80909
67 assumable homes · median 4.17%
median $379,900
- 80924
64 assumable homes · median 4.70%
median $654,500
Nearby markets
More assumable homes in Colorado
- Aurora407
- Denver360
- Peyton155
- Pueblo142
- Fountain117
- Commerce City112
- Castle Rock106
- Littleton100
- Greeley96
- Brighton87
- Monument81
- Parker81
- Thornton64
- Longmont63
- Arvada60
- Fort Collins50
- Johnstown46
- Lakewood42
- Westminster40
- Broomfield36
- Loveland35
- Florissant34
- Pueblo West32
- Agate
Run your numbers
The cost of waiting in Colorado Springs.
A 7.2% new loan against an assumable one at 4.93%, same balance, 30 years.
You keep every month
$509/mo
Over a year$6,107
Monthly payment, side by side
7.2% vs 4.93%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Colorado Springs
Numbers below come from current Colorado Springs inventory and update as listings change.
- How many assumable homes are for sale in Colorado Springs?
- As of September 2026, UMe tracks 1,256 active assumable listings in Colorado Springs. 3 of them are UMe Certified, meaning the loan balance, rate, and assumability have been confirmed with the listing agent. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Colorado Springs?
- Current Colorado Springs inventory breaks down as VA (989, median 4.27%) and FHA (267, median 6.07%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
- What is the lowest assumable mortgage rate in Colorado Springs right now?
- The lowest rate on an active Colorado Springs assumable listing is 2.18%, and the median across all 1,256 listings is 4.93%. 527 listings are under 4% and 641 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Colorado Springs?
- Across current Colorado Springs listings, the median principal-and-interest payment on the assumable loan is $2,012 per month versus $2,723 for the same balance at today's rates, a difference of about $712 every month, or $8,543 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
- How much money do I need to assume a home in Colorado Springs?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Colorado Springs that gap is currently a median of $104,799 on a median list price of $433,200. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
- Which Colorado Springs ZIP codes have the most assumable homes?
- The Colorado Springs ZIP codes with the most active assumable listings are 80925 (140), 80916 (101), 80911 (89), 80922 (80), and 80908 (79). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
- How long does a mortgage assumption take in Colorado Springs?
- Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Ready when you are
Stop overpaying for Colorado Springs.
Every listing on the map has a rate you can take over. Start with the ones in Colorado, or list your own low-rate loan and let buyers come to you.
