FHA
Active
39$495,000$111,179 down
- Rate
- 2.96%
6.95%today- Payment
- $1,812/mo
$2,860today
- 3beds
- 4baths
- 2,108sqft
Black Hawk, Colorado
Assumable homes for salein Black Hawk, Colorado.
5 homes in Black Hawk carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.41%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Black Hawk assumable market
by the numbers.
5active assumable listings
3.41%lowest locked rate
$540kmedian list price
$204saved per month vs. 7.2%
About the market
Assumable mortgagesin Black Hawk, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Black Hawk. Updated September 2026.
How assumptions work for buyersBlack Hawk, Colorado has 5 homes for sale with an assumable mortgage as of September 2026: 5 FHA 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 Black Hawk assumable listings start at 3.41% with a median of 4.18%; 2 listings are under 4% and 3 are under 5%.
The median assumable home in Black Hawk lists for $540,000, with a median of $439,288 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 $1,634 a month versus $1,838 for the same balance at today's rate, roughly $204 kept every month and $2,446 a year. The most active Black Hawk ZIP codes are 80422 (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 Black Hawk assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Black Hawk
View all 5 on the map Homes on the marketin Black Hawk.
FHA
Active
42$750,000$251,913 down
- Rate
- 2.99%
6.95%today- Payment
- $2,349/mo
$3,693today
- 3beds
- 3baths
- 2,275sqft
290 Elk Valley Drive, Evergreen
FHA
Active
48$545,000$168,281 down
- Rate
- 3.06%
6.95%today- Payment
- $1,806/mo
$2,814today
- 4beds
- 3baths
- 2,301sqft
1263 Nevadaville Road, Central City
VA
Active
36$599,000$217,323 down
- Rate
- 2.79%
6.95%today- Payment
- $1,798/mo
$2,900today
- 3beds
- 2baths
- 1,620sqft
11754 Vonnie Claire Road, Golden
VA
Active
50$995,000$482,165 down
- Rate
- 2.83%
6.95%today- Payment
- $2,415/mo
$3,875today
- 3beds
- 3baths
- 3,651sqft
940 Spring Gulch Road, Idaho Springs
VA
Active
50$1,350,000$619,418 down
- Rate
- 2.88%
6.95%today- Payment
- $3,411/mo
$5,439today
- 4beds
- 3baths
- 3,240sqft
800 Divide View Drive, Golden
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 Black Hawk.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 5
- UMe Certified / verified
- 0
- Lowest rate
- 3.41%
- Median rate
- 4.18%
- Median list price
- $540,000
- Median cash to assume
- $439,288
Black Hawk listings by locked rate
- Under 4%2 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up2 homes
Black Hawk listings by loan type
- FHA5 homesmedian 4.18%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Black Hawk ZIP code.
Each ZIP opens the Black Hawk map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Black Hawk numbers
What an assumable ratedoes to a Black Hawk payment.
The sliders start at the median Black Hawk assumable listing: $540,000 list price and a 4.18% 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)$440,000
81% 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 Black Hawk
$527/mo
New loan at 7.20%$679
Assumed at 4.20%
$527
Every month$152
Over five years$9,092
Interest you never pay$79,86026-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 Black Hawk listing on UMe shows the actual balance, rate, and payment.
How it works in Black Hawk
How to assumea mortgage in Black Hawk.
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 Black Hawk home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Black Hawk 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 $439,288 in Black Hawk 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 Black Hawk payment written in a different decade.
Black Hawk questions
Assuming a mortgagein Black Hawk.
The numbers below come from current Black Hawk inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Black Hawk?
As of September 2026, UMe tracks 5 active assumable listings in Black Hawk. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Black Hawk?
Current Black Hawk inventory breaks down as FHA (5, median 4.18%). 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 Black Hawk?
The lowest rate on an active Black Hawk assumable listing is 3.41%, and the median across all 5 listings is 4.18%. 2 listings are under 4% and 3 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 Black Hawk?
Across current Black Hawk listings, the median principal-and-interest payment on the assumable loan is $1,634 per month versus $1,838 for the same balance at today's rates, a difference of about $204 every month, or $2,446 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 Black Hawk?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Black Hawk that gap is currently a median of $439,288 on a median list price of $540,000. 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 Black Hawk ZIP codes have the most assumable homes?
The Black Hawk ZIP codes with the most active assumable listings are 80422 (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 Black Hawk?
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 Black Hawk.The rate is already on the house.
Every listing on the Black Hawk map has a rate you can take over. Start with the ones in Black Hawk, get pre-qualified in minutes, and let UMe carry the assumption to closing.
