FHA
Active
43$519,250$218,609 down
- Rate
- 3.16%
6.95%today- Payment
- $1,487/mo
$2,288today
- 3beds
- 2baths
- 1,152sqft
Buena Vista, Colorado
Assumable homes for salein Buena Vista, Colorado.
3 homes in Buena Vista carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.16%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Buena Vista assumable market
by the numbers.
3active assumable listings
3.16%lowest locked rate
$519kmedian list price
$189saved per month vs. 7.2%
About the market
Assumable mortgagesin Buena Vista, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Buena Vista. Updated September 2026.
How assumptions work for buyersBuena Vista, Colorado has 3 homes for sale with an assumable mortgage as of September 2026: 2 VA loans and 1 FHA 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 Buena Vista assumable listings start at 3.16% with a median of 6.58%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Buena Vista lists for $519,250, with a median of $67,284 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 $2,734 a month versus $2,923 for the same balance at today's rate, roughly $189 kept every month and $2,270 a year. The most active Buena Vista ZIP codes are 81211 (3).
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 Buena Vista assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Buena Vista
View all 3 on the map Homes on the marketin Buena Vista.
VA
Active
48$735,000$68,538 down
- Rate
- 6.58%
6.95%today- Payment
- $4,287/mo
$4,452today
- 3beds
- 2baths
- 1,860sqft
118 Grouse Road, Buena Vista
VA
Active
28$459,000$46,073 down
- Rate
- 6.85%
6.95%today- Payment
- $2,734/mo
$2,762today
- 3beds
- 2baths
- 1,413sqft
27733 Aspen Ridge Circle, Buena Vista
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 Buena Vista.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 3.16%
- Median rate
- 6.58%
- Median list price
- $519,250
- Median cash to assume
- $67,284
Buena Vista listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Buena Vista listings by loan type
- VA2 homesmedian 6.71%
- FHA1 homemedian 3.16%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Buena Vista ZIP code.
Each ZIP opens the Buena Vista map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Buena Vista numbers
What an assumable ratedoes to a Buena Vista payment.
The sliders start at the median Buena Vista assumable listing: $519,250 list price and a 6.58% 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)$70,000
13% 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 Buena Vista
$3,021/mo
New loan at 7.20%$3,055
Assumed at 6.60%
$3,021
Every month$34
Over five years$2,036
Interest you never pay$157,20426-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 Buena Vista listing on UMe shows the actual balance, rate, and payment.
How it works in Buena Vista
How to assumea mortgage in Buena Vista.
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 Buena Vista home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Buena Vista 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 $67,284 in Buena Vista 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 Buena Vista payment written in a different decade.
Buena Vista questions
Assuming a mortgagein Buena Vista.
The numbers below come from current Buena Vista inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Buena Vista?
As of September 2026, UMe tracks 3 active assumable listings in Buena Vista. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Buena Vista?
Current Buena Vista inventory breaks down as VA (2, median 6.71%) and FHA (1, median 3.16%). 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 Buena Vista?
The lowest rate on an active Buena Vista assumable listing is 3.16%, and the median across all 3 listings is 6.58%. 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 Buena Vista?
Across current Buena Vista listings, the median principal-and-interest payment on the assumable loan is $2,734 per month versus $2,923 for the same balance at today's rates, a difference of about $189 every month, or $2,270 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 Buena Vista?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Buena Vista that gap is currently a median of $67,284 on a median list price of $519,250. 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 Buena Vista ZIP codes have the most assumable homes?
The Buena Vista ZIP codes with the most active assumable listings are 81211 (3). 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 Buena Vista?
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 Buena Vista.The rate is already on the house.
Every listing on the Buena Vista map has a rate you can take over. Start with the ones in Buena Vista, get pre-qualified in minutes, and let UMe carry the assumption to closing.
