FHA
Active
33$774,750$503,964 down
- Rate
- 3.70%
6.95%today- Payment
- $1,452/mo
$2,088today
- 4beds
- 3baths
- 2,700sqft
Briggsdale, Colorado
Assumable homes for salein Briggsdale, Colorado.
2 homes in Briggsdale carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.70%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Briggsdale assumable market
by the numbers.
2active assumable listings
3.70%lowest locked rate
$705kmedian list price
$611saved per month vs. 7.2%
About the market
Assumable mortgagesin Briggsdale, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Briggsdale. Updated September 2026.
How assumptions work for buyersBriggsdale, Colorado has 2 homes for sale with an assumable mortgage as of September 2026: 2 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 Briggsdale assumable listings start at 3.70% with a median of 4.99%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Briggsdale lists for $704,875, with a median of $304,974 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 $2,437 a month versus $3,048 for the same balance at today's rate, roughly $611 kept every month and $7,329 a year. The most active Briggsdale ZIP codes are 80611 (2).
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 Briggsdale assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Briggsdale
View all 2 on the map Homes on the marketin Briggsdale.
FHA
Active
46$635,000$103,494 down
- Rate
- 6.27%
6.95%today- Payment
- $3,423/mo
$3,672today
- 3beds
- 2baths
- 1,942sqft
41887 County Road 84, Briggsdale
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 Briggsdale.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 3.70%
- Median rate
- 4.99%
- Median list price
- $704,875
- Median cash to assume
- $304,974
Briggsdale listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Briggsdale listings by loan type
- FHA2 homesmedian 4.99%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Briggsdale ZIP code.
Each ZIP opens the Briggsdale map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Briggsdale numbers
What an assumable ratedoes to a Briggsdale payment.
The sliders start at the median Briggsdale assumable listing: $704,875 list price and a 4.99% 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)$305,000
43% 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 Briggsdale
$2,293/mo
New loan at 7.20%$2,715
Assumed at 5.00%
$2,293
Every month$422
Over five years$25,307
Interest you never pay$261,92226-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 Briggsdale listing on UMe shows the actual balance, rate, and payment.
How it works in Briggsdale
How to assumea mortgage in Briggsdale.
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 Briggsdale home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Briggsdale 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 $304,974 in Briggsdale 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 Briggsdale payment written in a different decade.
Briggsdale questions
Assuming a mortgagein Briggsdale.
The numbers below come from current Briggsdale inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Briggsdale?
As of September 2026, UMe tracks 2 active assumable listings in Briggsdale. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Briggsdale?
Current Briggsdale inventory breaks down as FHA (2, median 4.99%). 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 Briggsdale?
The lowest rate on an active Briggsdale assumable listing is 3.70%, and the median across all 2 listings is 4.99%. 1 listing is 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 Briggsdale?
Across current Briggsdale listings, the median principal-and-interest payment on the assumable loan is $2,437 per month versus $3,048 for the same balance at today's rates, a difference of about $611 every month, or $7,329 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 Briggsdale?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Briggsdale that gap is currently a median of $304,974 on a median list price of $704,875. 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 Briggsdale ZIP codes have the most assumable homes?
The Briggsdale ZIP codes with the most active assumable listings are 80611 (2). 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 Briggsdale?
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 Briggsdale.The rate is already on the house.
Every listing on the Briggsdale map has a rate you can take over. Start with the ones in Briggsdale, get pre-qualified in minutes, and let UMe carry the assumption to closing.
