FHA
Active
44$340,000$101,265 down
- Rate
- 2.86%
6.95%today- Payment
- $1,138/mo
$1,820today
- 3beds
- 2baths
- 1,728sqft
Como, Colorado
Assumable homes for salein Como, Colorado.
3 homes in Como carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.52%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Como assumable market
by the numbers.
3active assumable listings
2.52%lowest locked rate
$405kmedian list price
$603saved per month vs. 7.2%
About the market
Assumable mortgagesin Como, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Como. Updated September 2026.
How assumptions work for buyersComo, 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 Como assumable listings start at 2.52% with a median of 3.44%; 3 listings are under 4% and 3 are under 5%.
The median assumable home in Como lists for $405,000, with a median of $324,828 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 $785 a month versus $1,388 for the same balance at today's rate, roughly $603 kept every month and $7,238 a year. The most active Como ZIP codes are 80456 (2) and 80432 (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 Como assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Como
View all 3 on the map Homes on the marketin Como.
FHA
Active
35$425,000$135,654 down
- Rate
- 3.02%
6.95%today- Payment
- $1,407/mo
$2,203today
- 3beds
- 2baths
- 1,881sqft
1309 Meadow Drive, Fairplay
VA
Active
45$925,000$747,530 down
- Rate
- 2.52%
6.95%today- Payment
- $785/mo
$1,311today
- 4beds
- 4baths
- 3,096sqft
1478 Longbow Drive, Como
FHA
Active
50$372,500$214,925 down
- Rate
- 3.84%
6.95%today- Payment
- $975/mo
$1,378today
- 3beds
- 2baths
- 1,824sqft
38 Grebe Lane, Como
FHA
Active
40$445,000$229,303 down
- Rate
- 4.14%
6.95%today- Payment
- $1,216/mo
$1,657today
- 2beds
- 2baths
- 1,120sqft
740 Castello Avenue, Fairplay
VA
Active
34$560,000$25,062 down
- Rate
- 6.01%
6.95%today- Payment
- $3,227/mo
$3,559today
- 3beds
- 2baths
- 1,320sqft
875 Trout Creek Drive, Fairplay
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 Como.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 2.52%
- Median rate
- 3.44%
- Median list price
- $405,000
- Median cash to assume
- $324,828
Como listings by locked rate
- Under 4%3 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Como listings by loan type
- VA2 homesmedian 2.98%
- FHA1 homemedian 3.84%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Como ZIP code.
Each ZIP opens the Como map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Como numbers
What an assumable ratedoes to a Como payment.
The sliders start at the median Como assumable listing: $405,000 list price and a 3.44% 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)$325,000
80% 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 Como
$389/mo
New loan at 7.20%$543
Assumed at 3.45%
$389
Every month$154
Over five years$9,259
Interest you never pay$74,21026-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 Como listing on UMe shows the actual balance, rate, and payment.
How it works in Como
How to assumea mortgage in Como.
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 Como home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Como 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 $324,828 in Como 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 Como payment written in a different decade.
Como questions
Assuming a mortgagein Como.
The numbers below come from current Como inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Como?
As of September 2026, UMe tracks 3 active assumable listings in Como. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Como?
Current Como inventory breaks down as VA (2, median 2.98%) and FHA (1, median 3.84%). 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 Como?
The lowest rate on an active Como assumable listing is 2.52%, and the median across all 3 listings is 3.44%. 3 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 Como?
Across current Como listings, the median principal-and-interest payment on the assumable loan is $785 per month versus $1,388 for the same balance at today's rates, a difference of about $603 every month, or $7,238 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 Como?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Como that gap is currently a median of $324,828 on a median list price of $405,000. 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 Como ZIP codes have the most assumable homes?
The Como ZIP codes with the most active assumable listings are 80456 (2) and 80432 (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 Como?
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 Como.The rate is already on the house.
Every listing on the Como map has a rate you can take over. Start with the ones in Como, get pre-qualified in minutes, and let UMe carry the assumption to closing.
