FHA
Active
13$325,000$79,450 down
- Rate
- 2.88%
6.95%today- Payment
- $1,141/mo
$1,820today
- 2beds
- 1baths
- 1,000sqft
Brush, Colorado
Assumable homes for salein Brush, Colorado.
7 homes in Brush carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.88%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Brush assumable market
by the numbers.
7active assumable listings
2.88%lowest locked rate
$415kmedian list price
$408saved per month vs. 7.2%
About the market
Assumable mortgagesin Brush, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Brush. Updated September 2026.
How assumptions work for buyersBrush, Colorado has 7 homes for sale with an assumable mortgage as of September 2026: 7 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 Brush assumable listings start at 2.88% with a median of 3.89%; 4 listings are under 4% and 5 are under 5%.
The median assumable home in Brush lists for $415,000, with a median of $177,269 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 $920 a month versus $1,328 for the same balance at today's rate, roughly $408 kept every month and $4,891 a year. The most active Brush ZIP codes are 80723 (7).
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 Brush assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Brush
View all 7 on the map Homes on the marketin Brush.
FHA
Active
48$445,000$177,269 down
- Rate
- 2.88%
6.95%today- Payment
- $1,283/mo
$2,045today
- 5beds
- 3baths
- 2,840sqft
424 Cambridge Street, Brush
FHA
Active
23$415,000$250,646 down
- Rate
- 2.89%
6.95%today- Payment
- $784/mo
$1,249today
- 3beds
- 2baths
- 1,900sqft
817 Bob Boulevard, Brush
FHA
Active
32$149,000$97,616 down
- Rate
- 3.89%
6.95%today- Payment
- $367/mo
$515today
- 3beds
- 2baths
- 1,184sqft
711 Lincoln Street, Brush
FHA
Active
7$388,000$224,747 down
- Rate
- 4.14%
6.95%today- Payment
- $920/mo
$1,254today
- 3beds
- 2baths
- 1,800sqft
505 Carson Street, Brush
FHA
Active
43$425,000$39,547 down
- Rate
- 6.34%
6.95%today- Payment
- $2,493/mo
$2,655today
- 3beds
- 2baths
- 1,400sqft
29391 US Highway 34 ##1, Brush
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 Brush.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 7
- UMe Certified / verified
- 0
- Lowest rate
- 2.88%
- Median rate
- 3.89%
- Median list price
- $415,000
- Median cash to assume
- $177,269
Brush listings by locked rate
- Under 4%4 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up2 homes
Brush listings by loan type
- FHA7 homesmedian 3.89%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Brush ZIP code.
Each ZIP opens the Brush map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Brush numbers
What an assumable ratedoes to a Brush payment.
The sliders start at the median Brush assumable listing: $415,000 list price and a 3.89% 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)$175,000
42% 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 Brush
$1,225/mo
New loan at 7.20%$1,629
Assumed at 3.90%
$1,225
Every month$404
Over five years$24,234
Interest you never pay$204,21526-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 Brush listing on UMe shows the actual balance, rate, and payment.
How it works in Brush
How to assumea mortgage in Brush.
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 Brush home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Brush 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 $177,269 in Brush 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 Brush payment written in a different decade.
Brush questions
Assuming a mortgagein Brush.
The numbers below come from current Brush inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Brush?
As of September 2026, UMe tracks 7 active assumable listings in Brush. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Brush?
Current Brush inventory breaks down as FHA (7, median 3.89%). 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 Brush?
The lowest rate on an active Brush assumable listing is 2.88%, and the median across all 7 listings is 3.89%. 4 listings are under 4% and 5 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 Brush?
Across current Brush listings, the median principal-and-interest payment on the assumable loan is $920 per month versus $1,328 for the same balance at today's rates, a difference of about $408 every month, or $4,891 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 Brush?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Brush that gap is currently a median of $177,269 on a median list price of $415,000. 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 Brush ZIP codes have the most assumable homes?
The Brush ZIP codes with the most active assumable listings are 80723 (7). 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 Brush?
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 Brush.The rate is already on the house.
Every listing on the Brush map has a rate you can take over. Start with the ones in Brush, get pre-qualified in minutes, and let UMe carry the assumption to closing.
