FHA
Active
42$369,950$42,830 down
- Rate
- 2.96%
6.95%today- Payment
- $1,544/mo
$2,437today
- 3beds
- 3baths
- 1,513sqft
Ault, Colorado
Assumable homes for salein Ault, Colorado.
5 homes in Ault carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.31%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Ault assumable market
by the numbers.
5active assumable listings
3.31%lowest locked rate
$495kmedian list price
$937saved per month vs. 7.2%
About the market
Assumable mortgagesin Ault, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Ault. Updated September 2026.
How assumptions work for buyersAult, Colorado has 5 homes for sale with an assumable mortgage as of September 2026: 4 FHA loans and 1 VA loan that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Ault assumable listings start at 3.31% with a median of 3.78%; 4 listings are under 4% and 4 are under 5%.
The median assumable home in Ault lists for $494,500, with a median of $218,942 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $1,727 a month versus $2,664 for the same balance at today's rate, roughly $937 kept every month and $11,244 a year. The most active Ault ZIP codes are 80610 (5).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Ault assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Ault
View all 5 on the map Homes on the marketin Ault.
FHA
Active
31$375,000$43,927 down
- Rate
- 3.25%
6.95%today- Payment
- $1,603/mo
$2,438today
- 3beds
- 3baths
- 1,902sqft
6605 4th Street Road #3, Greeley
VA
Active
20$255,000$25,869 down
- Rate
- 3.45%
6.95%today- Payment
- $1,125/mo
$1,668today
- 2beds
- 2baths
- 1,200sqft
3405 16th Street #C, Greeley
VA
Active
35$374,900$91,879 down
- Rate
- 2.74%
6.95%today- Payment
- $1,316/mo
$2,137today
- —beds
- —baths
- —sqft
1217 14th Avenue #1-2, Greeley
VA
Active
50$779,000$154,216 down
- Rate
- 2.77%
6.95%today- Payment
- $2,862/mo
$4,629today
- 5beds
- 4baths
- 4,440sqft
20085 County Road 74, Eaton
FHA
Active
48$495,000$133,016 down
- Rate
- 2.81%
6.95%today- Payment
- $1,697/mo
$2,730today
- 5beds
- 4baths
- 2,967sqft
532 2nd Street, Severance
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Ault.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 5
- UMe Certified / verified
- 0
- Lowest rate
- 3.31%
- Median rate
- 3.78%
- Median list price
- $494,500
- Median cash to assume
- $218,942
Ault listings by locked rate
- Under 4%4 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Ault listings by loan type
- FHA4 homesmedian 3.87%
- VA1 homemedian 3.78%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Ault ZIP code.
Each ZIP opens the Ault map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Ault numbers
What an assumable ratedoes to an Ault payment.
The sliders start at the median Ault assumable listing: $494,500 list price and a 3.78% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$220,000
44% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Ault
$1,389/mo
New loan at 7.20%$1,867
Assumed at 3.80%
$1,389
Every month$478
Over five years$28,680
Interest you never pay$238,73526-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Ault listing on UMe shows the actual balance, rate, and payment.
How it works in Ault
How to assumea mortgage in Ault.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find an Ault home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Ault map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $218,942 in Ault today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and an Ault payment written in a different decade.
Ault questions
Assuming a mortgagein Ault.
The numbers below come from current Ault inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Ault?
As of September 2026, UMe tracks 5 active assumable listings in Ault. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Ault?
Current Ault inventory breaks down as FHA (4, median 3.87%) and VA (1, median 3.78%). 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 Ault?
The lowest rate on an active Ault assumable listing is 3.31%, and the median across all 5 listings is 3.78%. 4 listings are under 4% and 4 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 Ault?
Across current Ault listings, the median principal-and-interest payment on the assumable loan is $1,727 per month versus $2,664 for the same balance at today's rates, a difference of about $937 every month, or $11,244 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 Ault?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Ault that gap is currently a median of $218,942 on a median list price of $494,500. 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 Ault ZIP codes have the most assumable homes?
The Ault ZIP codes with the most active assumable listings are 80610 (5). 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 Ault?
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.
Nearby markets
All of Colorado More assumable homesin Colorado.
Ready when you are
Stop overpaying for Ault.The rate is already on the house.
Every listing on the Ault map has a rate you can take over. Start with the ones in Ault, get pre-qualified in minutes, and let UMe carry the assumption to closing.
