Active
50$825,000$376,289 down
- Rate
- 2.25%
6.95%today- Payment
- $2,013/mo
$3,485today
- 5beds
- 5baths
- 4,727sqft
Castle Pines, Colorado
Assumable homes for salein Castle Pines, Colorado.
7 homes in Castle Pines carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.80%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Castle Pines assumable market
by the numbers.
7active assumable listings
2.80%lowest locked rate
$900kmedian list price
$342saved per month vs. 7.2%
About the market
Assumable mortgagesin Castle Pines, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Castle Pines. Updated September 2026.
How assumptions work for buyersCastle Pines, Colorado has 7 homes for sale with an assumable mortgage as of September 2026: 4 VA loans and 3 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 Castle Pines assumable listings start at 2.80% with a median of 5.70%; 2 listings are under 4% and 3 are under 5%.
The median assumable home in Castle Pines lists for $900,000, with a median of $427,045 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 $3,442 a month versus $3,783 for the same balance at today's rate, roughly $342 kept every month and $4,101 a year. The most active Castle Pines ZIP codes are 80108 (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 Castle Pines assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Castle Pines
View all 7 on the map Homes on the marketin Castle Pines.
Active
46$210,000$38,363 down
- Rate
- 4.75%
6.95%today- Payment
- $1,038/mo
$1,317today
- 2beds
- 1baths
- 1,062sqft
4066 Atchison Way #102, Aurora
VATop pick
Active
35$290,000$20,991 down
- Rate
- 2.74%
6.95%today- Payment
- $1,251/mo
$2,032today
- 2beds
- 2baths
- 1,038sqft
4572 Crystal Way #B, Aurora
VATop pick
Active
25$337,500$27,686 down
- Rate
- 2.98%
6.95%today- Payment
- $1,463/mo
$2,302today
- 2beds
- 2baths
- 1,056sqft
7440 Blackhawk Street #7-305, Englewood
VATop pick
Active
34$565,000$40,897 down
- Rate
- 2.99%
6.95%today- Payment
- $2,455/mo
$3,860today
- 3beds
- 3baths
- 1,514sqft
2825 Merry Rest Way, Castle Rock
VATop pick
Active
50$354,990$18,523 down
- Rate
- 2.99%
6.95%today- Payment
- $1,583/mo
$2,489today
- 2beds
- 2baths
- 1,286sqft
9318 Las Ramblas Court #P, Parker
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 Castle Pines.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 7
- UMe Certified / verified
- 0
- Lowest rate
- 2.80%
- Median rate
- 5.70%
- Median list price
- $900,000
- Median cash to assume
- $427,045
Castle Pines listings by locked rate
- Under 4%2 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up3 homes
Castle Pines listings by loan type
- VA4 homesmedian 4.42%
- FHA3 homesmedian 6.57%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Castle Pines ZIP code.
Each ZIP opens the Castle Pines map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Castle Pines numbers
What an assumable ratedoes to a Castle Pines payment.
The sliders start at the median Castle Pines assumable listing: $900,000 list price and a 5.70% 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)$425,000
47% 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 Castle Pines
$2,923/mo
New loan at 7.20%$3,224
Assumed at 5.70%
$2,923
Every month$302
Over five years$18,103
Interest you never pay$248,89826-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 Castle Pines listing on UMe shows the actual balance, rate, and payment.
How it works in Castle Pines
How to assumea mortgage in Castle Pines.
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 Castle Pines home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Castle Pines 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 $427,045 in Castle Pines 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 Castle Pines payment written in a different decade.
Castle Pines questions
Assuming a mortgagein Castle Pines.
The numbers below come from current Castle Pines inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Castle Pines?
As of September 2026, UMe tracks 7 active assumable listings in Castle Pines. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Castle Pines?
Current Castle Pines inventory breaks down as VA (4, median 4.42%) and FHA (3, median 6.57%). 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 Castle Pines?
The lowest rate on an active Castle Pines assumable listing is 2.80%, and the median across all 7 listings is 5.70%. 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 Castle Pines?
Across current Castle Pines listings, the median principal-and-interest payment on the assumable loan is $3,442 per month versus $3,783 for the same balance at today's rates, a difference of about $342 every month, or $4,101 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 Castle Pines?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Castle Pines that gap is currently a median of $427,045 on a median list price of $900,000. 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 Castle Pines ZIP codes have the most assumable homes?
The Castle Pines ZIP codes with the most active assumable listings are 80108 (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 Castle Pines?
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 Castle Pines.The rate is already on the house.
Every listing on the Castle Pines map has a rate you can take over. Start with the ones in Castle Pines, get pre-qualified in minutes, and let UMe carry the assumption to closing.
