FHA
Active
32$575,000$160,054 down
- Rate
- 2.81%
6.95%today- Payment
- $1,945/mo
$3,129today
- 4beds
- 4baths
- 2,360sqft
Bellvue, Colorado
Assumable homes for salein Bellvue, Colorado.
1 home in Bellvue carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 4.82%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Bellvue assumable market
by the numbers.
1active assumable listing
4.82%lowest locked rate
$925kmedian list price
$1,362saved per month vs. 7.2%
About the market
Assumable mortgagesin Bellvue, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Bellvue. Updated September 2026.
How assumptions work for buyersBellvue, Colorado has 1 home for sale with an assumable mortgage as of September 2026: 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 Bellvue assumable listings start at 4.82% with a median of 4.82%; 0 listings are under 4% and 1 is under 5%.
The median assumable home in Bellvue lists for $925,000, with a median of $190,595 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 $4,101 a month versus $5,463 for the same balance at today's rate, roughly $1,362 kept every month and $16,348 a year. The most active Bellvue ZIP codes are 80512 (1).
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 Bellvue assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Bellvue
View all 1 on the map Homes on the marketin Bellvue.
VA
Active
49$1,000,000$273,947 down
- Rate
- 2.86%
6.95%today- Payment
- $3,367/mo
$5,383today
- 4beds
- 3baths
- 3,111sqft
6720 County Road 15, Fort Collins
VA
Active
24$269,900$72,097 down
- Rate
- 2.94%
6.95%today- Payment
- $951/mo
$1,505today
- 2beds
- 1baths
- 908sqft
2200 Valley Forge Avenue #2, Fort Collins
FHA
Active
23$275,000$88,250 down
- Rate
- 2.74%
6.95%today- Payment
- $871/mo
$1,414today
- 2beds
- 1baths
- 792sqft
6714 Rose Creek Way #1, Fort Collins
FHA
Active
16$425,000$132,566 down
- Rate
- 2.77%
6.95%today- Payment
- $1,374/mo
$2,223today
- 2beds
- 1baths
- 742sqft
1224 Mulberry Street, Fort Collins
FHA
Active
38$465,000$160,087 down
- Rate
- 2.81%
6.95%today- Payment
- $1,429/mo
$2,299today
- 3beds
- 2baths
- 1,051sqft
412 10th Street, Fort Collins
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 Bellvue.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 4.82%
- Median rate
- 4.82%
- Median list price
- $925,000
- Median cash to assume
- $190,595
Bellvue listings by locked rate
- Under 4%0 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up0 homes
Bellvue listings by loan type
- VA1 homemedian 4.82%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Bellvue ZIP code.
Each ZIP opens the Bellvue map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Bellvue numbers
What an assumable ratedoes to a Bellvue payment.
The sliders start at the median Bellvue assumable listing: $925,000 list price and a 4.82% 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)$190,000
21% 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 Bellvue
$4,128/mo
New loan at 7.20%$4,989
Assumed at 4.80%
$4,128
Every month$861
Over five years$51,664
Interest you never pay$508,13226-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 Bellvue listing on UMe shows the actual balance, rate, and payment.
How it works in Bellvue
How to assumea mortgage in Bellvue.
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 a Bellvue home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Bellvue 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 $190,595 in Bellvue 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 a Bellvue payment written in a different decade.
Bellvue questions
Assuming a mortgagein Bellvue.
The numbers below come from current Bellvue inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Bellvue?
As of September 2026, UMe tracks 1 active assumable listing in Bellvue. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Bellvue?
Current Bellvue inventory breaks down as VA (1, median 4.82%). 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 Bellvue?
The lowest rate on an active Bellvue assumable listing is 4.82%, and the median across all 1 listing is 4.82%. 0 listings are under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Bellvue?
Across current Bellvue listings, the median principal-and-interest payment on the assumable loan is $4,101 per month versus $5,463 for the same balance at today's rates, a difference of about $1,362 every month, or $16,348 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 Bellvue?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Bellvue that gap is currently a median of $190,595 on a median list price of $925,000. 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 Bellvue ZIP codes have the most assumable homes?
The Bellvue ZIP codes with the most active assumable listings are 80512 (1). 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 Bellvue?
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 Bellvue.The rate is already on the house.
Every listing on the Bellvue map has a rate you can take over. Start with the ones in Bellvue, get pre-qualified in minutes, and let UMe carry the assumption to closing.
