Active
50$825,000$376,289 down
- Rate
- 2.25%
6.95%today- Payment
- $2,013/mo
$3,485today
- 5beds
- 5baths
- 4,727sqft
Castle Rock, Colorado
Assumable homes for salein Castle Rock, Colorado.
75 homes in Castle Rock carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.25%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Castle Rock assumable market
by the numbers.
75active assumable listings
2.25%lowest locked rate
$600kmedian list price
$1,328saved per month vs. 7.2%
About the market
Assumable mortgagesin Castle Rock, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Castle Rock. Updated September 2026.
How assumptions work for buyersCastle Rock, Colorado has 75 homes for sale with an assumable mortgage as of September 2026: 42 FHA loans and 32 VA 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 Rock assumable listings start at 2.25% with a median of 4.67%; 33 listings are under 4% and 42 are under 5%.
The median assumable home in Castle Rock lists for $599,990, with a median of $147,446 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 $2,455 a month versus $3,783 for the same balance at today's rate, roughly $1,328 kept every month and $15,938 a year. The most active Castle Rock ZIP codes are 80104 (42), 80109 (19), and 80108 (14).
1 listing in Castle Rock is UMe Certified, meaning the balance, rate, and assumability have been confirmed with the listing agent. 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 Rock assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Castle Rock
View all 75 on the map Homes on the marketin Castle Rock.
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
FHA
Active
25$584,900$97,238 down
- Rate
- 2.80%
6.95%today- Payment
- $2,252/mo
$3,628today
- 3beds
- 3baths
- 2,265sqft
287 Vista Cliff Circle, Castle Rock
FHA
Active
50$575,000$113,993 down
- Rate
- 2.80%
6.95%today- Payment
- $2,124/mo
$3,422today
- 3beds
- 3baths
- 1,580sqft
10660 Pommel Court, Parker
VA
Active
45$800,000$83,385 down
- Rate
- 2.88%
6.95%today- Payment
- $3,309/mo
$5,276today
- 5beds
- 5baths
- 3,937sqft
11960 Singing Winds Street, 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 Rock.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 75
- UMe Certified / verified
- 1
- Lowest rate
- 2.25%
- Median rate
- 4.67%
- Median list price
- $599,990
- Median cash to assume
- $147,446
Castle Rock listings by locked rate
- Under 4%33 homes
- 4% – 5%9 homes
- 5% – 6%8 homes
- 6% and up25 homes
Castle Rock listings by loan type
- FHA42 homesmedian 4.98%
- VA32 homesmedian 3.58%
- Other1 homemedian 2.25%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Castle Rock ZIP code.
Each ZIP opens the Castle Rock map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Castle Rock numbers
What an assumable ratedoes to a Castle Rock payment.
The sliders start at the median Castle Rock assumable listing: $599,990 list price and a 4.67% 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)$145,000
24% 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 Rock
$2,516/mo
New loan at 7.20%$3,088
Assumed at 4.65%
$2,516
Every month$573
Over five years$34,358
Interest you never pay$326,90926-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 Rock listing on UMe shows the actual balance, rate, and payment.
How it works in Castle Rock
How to assumea mortgage in Castle Rock.
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 Rock home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Castle Rock 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 $147,446 in Castle Rock 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 Rock payment written in a different decade.
Castle Rock questions
Assuming a mortgagein Castle Rock.
The numbers below come from current Castle Rock inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Castle Rock?
As of September 2026, UMe tracks 75 active assumable listings in Castle Rock. 1 of them is UMe Certified, meaning the loan balance, rate, and assumability have been confirmed with the listing agent. 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 Rock?
Current Castle Rock inventory breaks down as FHA (42, median 4.98%), VA (32, median 3.58%), and Other (1, median 2.25%). 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 Rock?
The lowest rate on an active Castle Rock assumable listing is 2.25%, and the median across all 75 listings is 4.67%. 33 listings are under 4% and 42 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 Rock?
Across current Castle Rock listings, the median principal-and-interest payment on the assumable loan is $2,455 per month versus $3,783 for the same balance at today's rates, a difference of about $1,328 every month, or $15,938 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 Rock?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Castle Rock that gap is currently a median of $147,446 on a median list price of $599,990. 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 Rock ZIP codes have the most assumable homes?
The Castle Rock ZIP codes with the most active assumable listings are 80104 (42), 80109 (19), and 80108 (14). 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 Rock?
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 Rock.The rate is already on the house.
Every listing on the Castle Rock map has a rate you can take over. Start with the ones in Castle Rock, get pre-qualified in minutes, and let UMe carry the assumption to closing.
