FHA
Active
39$495,000$111,179 down
- Rate
- 2.96%
6.95%today- Payment
- $1,812/mo
$2,860today
- 3beds
- 4baths
- 2,108sqft
Central City, Colorado
Assumable homes for salein Central City, Colorado.
3 homes in Central City carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.96%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Central City assumable market
by the numbers.
3active assumable listings
2.96%lowest locked rate
$495kmedian list price
$1,215saved per month vs. 7.2%
About the market
Assumable mortgagesin Central City, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Central City. Updated August 2026.
How assumptions work for buyersCentral City, Colorado has 3 homes for sale with an assumable mortgage as of August 2026: 2 FHA loans and 1 VA 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 Central City assumable listings start at 2.96% with a median of 3.06%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Central City lists for $495,000, with a median of $108,595 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 $1,812 a month versus $3,027 for the same balance at today's rate, roughly $1,215 kept every month and $14,575 a year. The most active Central City ZIP codes are 80427 (2) and 80247 (1).
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 Central City assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Central City
View all 3 on the map Homes on the marketin Central City.
FHA
Active
42$750,000$251,913 down
- Rate
- 2.99%
6.95%today- Payment
- $2,349/mo
$3,693today
- 3beds
- 3baths
- 2,275sqft
290 Elk Valley Drive, Evergreen
FHA
Active
48$545,000$168,281 down
- Rate
- 3.06%
6.95%today- Payment
- $1,806/mo
$2,814today
- 4beds
- 3baths
- 2,301sqft
1263 Nevadaville Road, Central City
VA
Active
50$995,000$482,165 down
- Rate
- 2.83%
6.95%today- Payment
- $2,415/mo
$3,875today
- 3beds
- 3baths
- 3,651sqft
940 Spring Gulch Road, Idaho Springs
VA
Active
50$1,350,000$619,418 down
- Rate
- 2.88%
6.95%today- Payment
- $3,411/mo
$5,439today
- 4beds
- 3baths
- 3,240sqft
800 Divide View Drive, Golden
VA
Active
43$1,275,000$1,004,823 down
- Rate
- 2.98%
6.95%today- Payment
- $1,278/mo
$2,012today
- 5beds
- 5baths
- 4,027sqft
302 Cottonwood Drive, Evergreen
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 Central City.
Live counts from the MLS feeds we index for Colorado. Updated August 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 2.96%
- Median rate
- 3.06%
- Median list price
- $495,000
- Median cash to assume
- $108,595
Central City listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Central City listings by loan type
- FHA2 homesmedian 3.01%
- VA1 homemedian 7.62%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Central City ZIP code.
Each ZIP opens the Central City map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Central City numbers
What an assumable ratedoes to a Central City payment.
The sliders start at the median Central City assumable listing: $495,000 list price and a 3.06% 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)$110,000
22% 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 Central City
$1,789/mo
New loan at 7.20%$2,613
Assumed at 3.05%
$1,789
Every month$825
Over five years$49,476
Interest you never pay$382,71626-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 Central City listing on UMe shows the actual balance, rate, and payment.
How it works in Central City
How to assumea mortgage in Central City.
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 Central City home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Central City 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 $108,595 in Central City 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 Central City payment written in a different decade.
Central City questions
Assuming a mortgagein Central City.
The numbers below come from current Central City inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Central City?
As of August 2026, UMe tracks 3 active assumable listings in Central City. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Central City?
Current Central City inventory breaks down as FHA (2, median 3.01%) and VA (1, median 7.62%). 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 Central City?
The lowest rate on an active Central City assumable listing is 2.96%, and the median across all 3 listings is 3.06%. 2 listings are under 4% and 2 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 Central City?
Across current Central City listings, the median principal-and-interest payment on the assumable loan is $1,812 per month versus $3,027 for the same balance at today's rates, a difference of about $1,215 every month, or $14,575 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 Central City?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Central City that gap is currently a median of $108,595 on a median list price of $495,000. 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 Central City ZIP codes have the most assumable homes?
The Central City ZIP codes with the most active assumable listings are 80427 (2) and 80247 (1). 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 Central City?
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 Central City.The rate is already on the house.
Every listing on the Central City map has a rate you can take over. Start with the ones in Central City, get pre-qualified in minutes, and let UMe carry the assumption to closing.
