Active
45$600,000$201,563 down
- Rate
- 1.99%
6.95%today- Payment
- $1,718/mo
$3,081today
- 5beds
- 4baths
- 3,807sqft
Colorado Springs, Colorado
Assumable homes for salein Colorado Springs, Colorado.
270 homes in Colorado Springs carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.18%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Colorado Springs assumable market
by the numbers.
270active assumable listings
2.18%lowest locked rate
$450kmedian list price
$721saved per month vs. 7.2%
About the market
Assumable mortgagesin Colorado Springs, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Colorado Springs. Updated September 2026.
How assumptions work for buyersColorado Springs, Colorado has 270 homes for sale with an assumable mortgage as of September 2026: 213 VA loans and 56 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 Colorado Springs assumable listings start at 2.18% with a median of 4.27%; 124 listings are under 4% and 155 are under 5%.
The median assumable home in Colorado Springs lists for $450,000, with a median of $118,255 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 $1,987 a month versus $2,709 for the same balance at today's rate, roughly $721 kept every month and $8,658 a year. The most active Colorado Springs ZIP codes are 80916 (20), 80922 (20), 80925 (19), 80908 (18), and 80921 (16).
1 listing in Colorado Springs 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 Colorado Springs assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Colorado Springs
View all 270 on the map Homes on the marketin Colorado Springs.
VATop pick
Active
45$485,000Potential short sale
- Rate
- 2.79%
6.95%today- Payment
- $2,849/mo
$4,596today
- 4beds
- 3baths
- 2,313sqft
4932 Horseshoe Bend Street, Colorado Springs
VATop pick
Active
30$340,000$17,743 down
- Rate
- 2.98%
6.95%today- Payment
- $1,525/mo
$2,400today
- 4beds
- 2baths
- 1,280sqft
3433 Hunterwood Drive, Colorado Springs
VATop pick
Active
37$270,000$21,434 down
- Rate
- 2.84%
6.95%today- Payment
- $1,150/mo
$1,844today
- 1beds
- 1baths
- 900sqft
2170 Alicia Point #102, Colorado Springs
FHATop pick
Active
19$217,000$20,046 down
- Rate
- 2.84%
6.95%today- Payment
- $933/mo
$1,495today
- 2beds
- 2baths
- 1,024sqft
1014 Lutheran Way, Colorado Springs
VATop pick
Active
44$800,000$80,450 down
- Rate
- 2.90%
6.95%today- Payment
- $3,330/mo
$5,296today
- 6beds
- 5baths
- 4,131sqft
3003 Bella Cima Drive, Colorado Springs
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 Colorado Springs.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 270
- UMe Certified / verified
- 1
- Lowest rate
- 2.18%
- Median rate
- 4.27%
- Median list price
- $450,000
- Median cash to assume
- $118,255
Colorado Springs listings by locked rate
- Under 4%124 homes
- 4% – 5%31 homes
- 5% – 6%20 homes
- 6% and up94 homes
Colorado Springs listings by loan type
- VA213 homesmedian 4.17%
- FHA56 homesmedian 4.48%
- Other1 homemedian 1.99%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Colorado Springs ZIP code.
Each ZIP opens the Colorado Springs map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
- 80916
20 assumable homes
median 3.78% · $336,000
- 80922
20 assumable homes
median 6.31% · $462,500
- 80925
19 assumable homes
median 5.46% · $419,000
- 80908
18 assumable homes
median 4.30% · $684,450
- 80921
16 assumable homes
median 3.19% · $769,000
- 80909
15 assumable homes
median 3.23% · $375,000
- 80920
15 assumable homes
median 5.69% · $479,900
- 80906
14 assumable homes
median 5.63% · $477,000
Run the Colorado Springs numbers
What an assumable ratedoes to a Colorado Springs payment.
The sliders start at the median Colorado Springs assumable listing: $450,000 list price and a 4.27% 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)$120,000
27% 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 Colorado Springs
$1,749/mo
New loan at 7.20%$2,240
Assumed at 4.25%
$1,749
Every month$491
Over five years$29,445
Interest you never pay$260,63326-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 Colorado Springs listing on UMe shows the actual balance, rate, and payment.
How it works in Colorado Springs
How to assumea mortgage in Colorado Springs.
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 Colorado Springs home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Colorado Springs 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 $118,255 in Colorado Springs 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 Colorado Springs payment written in a different decade.
Colorado Springs questions
Assuming a mortgagein Colorado Springs.
The numbers below come from current Colorado Springs inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Colorado Springs?
As of September 2026, UMe tracks 270 active assumable listings in Colorado Springs. 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 Colorado Springs?
Current Colorado Springs inventory breaks down as VA (213, median 4.17%), FHA (56, median 4.48%), and Other (1, median 1.99%). 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 Colorado Springs?
The lowest rate on an active Colorado Springs assumable listing is 2.18%, and the median across all 270 listings is 4.27%. 124 listings are under 4% and 155 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 Colorado Springs?
Across current Colorado Springs listings, the median principal-and-interest payment on the assumable loan is $1,987 per month versus $2,709 for the same balance at today's rates, a difference of about $721 every month, or $8,658 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 Colorado Springs?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Colorado Springs that gap is currently a median of $118,255 on a median list price of $450,000. 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 Colorado Springs ZIP codes have the most assumable homes?
The Colorado Springs ZIP codes with the most active assumable listings are 80916 (20), 80922 (20), 80925 (19), 80908 (18), and 80921 (16). 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 Colorado Springs?
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 Colorado Springs.The rate is already on the house.
Every listing on the Colorado Springs map has a rate you can take over. Start with the ones in Colorado Springs, get pre-qualified in minutes, and let UMe carry the assumption to closing.
