VATop pick
Active
21$420,000$38,845 down
- Rate
- 2.99%
6.95%today- Payment
- $1,790/mo
$2,813today
- 3beds
- 3baths
- 2,002sqft
Bennett, Colorado
Assumable homes for salein Bennett, Colorado.
15 homes in Bennett carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.87%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Bennett assumable market
by the numbers.
15active assumable listings
2.87%lowest locked rate
$470kmedian list price
$365saved per month vs. 7.2%
About the market
Assumable mortgagesin Bennett, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Bennett. Updated September 2026.
How assumptions work for buyersBennett, Colorado has 15 homes for sale with an assumable mortgage as of September 2026: 8 FHA loans and 7 VA loans 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 Bennett assumable listings start at 2.87% with a median of 6.27%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Bennett lists for $469,999, with a median of $41,389 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 $2,668 a month versus $3,032 for the same balance at today's rate, roughly $365 kept every month and $4,374 a year. The most active Bennett ZIP codes are 80102 (15).
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 Bennett assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Bennett
View all 15 on the map Homes on the marketin Bennett.
VA
Active
11$370,000Potential short sale
- Rate
- 3.76%
6.95%today- Payment
- $2,082/mo
$2,972today
- 4beds
- 2baths
- 1,521sqft
55699 31st Avenue, Strasburg
VA
Active
36$510,000$140,406 down
- Rate
- 2.81%
6.95%today- Payment
- $1,728/mo
$2,781today
- 4beds
- 3baths
- 2,963sqft
56597 23rd Avenue, Strasburg
FHA
Active
31$475,000$121,903 down
- Rate
- 2.87%
6.95%today- Payment
- $1,647/mo
$2,629today
- 4beds
- 3baths
- 2,210sqft
172 Fox Street, Bennett
FHA
Active
50$835,000$327,371 down
- Rate
- 3.15%
6.95%today- Payment
- $2,514/mo
$3,873today
- 4beds
- 4baths
- 3,530sqft
50000 112th Avenue, Bennett
FHA
Active
40$539,900$157,053 down
- Rate
- 3.31%
6.95%today- Payment
- $1,937/mo
$2,924today
- 3beds
- 2baths
- 1,484sqft
58117 42nd Drive, Strasburg
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 Bennett.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 15
- UMe Certified / verified
- 0
- Lowest rate
- 2.87%
- Median rate
- 6.27%
- Median list price
- $469,999
- Median cash to assume
- $41,389
Bennett listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%2 homes
- 6% and up11 homes
Bennett listings by loan type
- FHA8 homesmedian 5.91%
- VA7 homesmedian 6.27%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Bennett ZIP code.
Each ZIP opens the Bennett map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Bennett numbers
What an assumable ratedoes to a Bennett payment.
The sliders start at the median Bennett assumable listing: $469,999 list price and a 6.27% 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)$40,000
9% 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 Bennett
$2,792/mo
New loan at 7.20%$2,919
Assumed at 6.25%
$2,792
Every month$127
Over five years$7,631
Interest you never pay$179,78326-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 Bennett listing on UMe shows the actual balance, rate, and payment.
How it works in Bennett
How to assumea mortgage in Bennett.
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 Bennett home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Bennett 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 $41,389 in Bennett 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 Bennett payment written in a different decade.
Bennett questions
Assuming a mortgagein Bennett.
The numbers below come from current Bennett inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Bennett?
As of September 2026, UMe tracks 15 active assumable listings in Bennett. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Bennett?
Current Bennett inventory breaks down as FHA (8, median 5.91%) and VA (7, median 6.27%). 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 Bennett?
The lowest rate on an active Bennett assumable listing is 2.87%, and the median across all 15 listings is 6.27%. 2 listings are under 4% and 2 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 Bennett?
Across current Bennett listings, the median principal-and-interest payment on the assumable loan is $2,668 per month versus $3,032 for the same balance at today's rates, a difference of about $365 every month, or $4,374 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 Bennett?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Bennett that gap is currently a median of $41,389 on a median list price of $469,999. 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 Bennett ZIP codes have the most assumable homes?
The Bennett ZIP codes with the most active assumable listings are 80102 (15). 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 Bennett?
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 Bennett.The rate is already on the house.
Every listing on the Bennett map has a rate you can take over. Start with the ones in Bennett, get pre-qualified in minutes, and let UMe carry the assumption to closing.
