VA
Active
50$514,900$105,281 down
- Rate
- 2.68%
6.95%today- Payment
- $1,897/mo
$3,105today
- 3beds
- 2baths
- 1,495sqft
Cripple Creek, Colorado
Assumable homes for salein Cripple Creek, Colorado.
5 homes in Cripple Creek carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.05%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Cripple Creek assumable market
by the numbers.
5active assumable listings
3.05%lowest locked rate
$350kmedian list price
$194saved per month vs. 7.2%
About the market
Assumable mortgagesin Cripple Creek, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Cripple Creek. Updated September 2026.
How assumptions work for buyersCripple Creek, Colorado has 5 homes for sale with an assumable mortgage as of September 2026: 3 FHA loans and 2 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 Cripple Creek assumable listings start at 3.05% with a median of 3.90%; 3 listings are under 4% and 3 are under 5%.
The median assumable home in Cripple Creek lists for $349,999, with a median of $73,491 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 $2,076 a month versus $2,270 for the same balance at today's rate, roughly $194 kept every month and $2,331 a year. The most active Cripple Creek ZIP codes are 80813 (5).
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 Cripple Creek assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Cripple Creek
View all 5 on the map Homes on the marketin Cripple Creek.
VA
Active
28$399,000$104,494 down
- Rate
- 2.96%
6.95%today- Payment
- $1,430/mo
$2,256today
- 3beds
- 3baths
- 1,899sqft
1625 Mountain Estates Road, Florissant
VA
Active
50$740,000$250,797 down
- Rate
- 3.05%
6.95%today- Payment
- $2,249/mo
$3,546today
- 3beds
- 3baths
- 3,268sqft
191 Strong Drive, Cripple Creek
VA
Active
50$549,000$173,998 down
- Rate
- 3.11%
6.95%today- Payment
- $1,777/mo
$2,750today
- 3beds
- 3baths
- 2,028sqft
127 Carlton Circle, Florissant
VA
Active
20$160,000$64,408 down
- Rate
- 3.23%
6.95%today- Payment
- $481/mo
$733today
- 1beds
- 1baths
- 300sqft
202 Silver Street, Cripple Creek
FHA
Active
45$550,000$354,061 down
- Rate
- 2.48%
6.95%today- Payment
- $1,068/mo
$1,678today
- 4beds
- 2baths
- 1,682sqft
34 Fetlock Circle, Florissant
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 Cripple Creek.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 5
- UMe Certified / verified
- 0
- Lowest rate
- 3.05%
- Median rate
- 3.90%
- Median list price
- $349,999
- Median cash to assume
- $73,491
Cripple Creek listings by locked rate
- Under 4%3 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Cripple Creek listings by loan type
- FHA3 homesmedian 6.63%
- VA2 homesmedian 3.14%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Cripple Creek ZIP code.
Each ZIP opens the Cripple Creek map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Cripple Creek numbers
What an assumable ratedoes to a Cripple Creek payment.
The sliders start at the median Cripple Creek assumable listing: $349,999 list price and a 3.90% 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)$75,000
21% 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 Cripple Creek
$1,404/mo
New loan at 7.20%$1,867
Assumed at 3.90%
$1,404
Every month$463
Over five years$27,769
Interest you never pay$233,99626-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 Cripple Creek listing on UMe shows the actual balance, rate, and payment.
How it works in Cripple Creek
How to assumea mortgage in Cripple Creek.
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 Cripple Creek home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Cripple Creek 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 $73,491 in Cripple Creek 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 Cripple Creek payment written in a different decade.
Cripple Creek questions
Assuming a mortgagein Cripple Creek.
The numbers below come from current Cripple Creek inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Cripple Creek?
As of September 2026, UMe tracks 5 active assumable listings in Cripple Creek. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Cripple Creek?
Current Cripple Creek inventory breaks down as FHA (3, median 6.63%) and VA (2, median 3.14%). 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 Cripple Creek?
The lowest rate on an active Cripple Creek assumable listing is 3.05%, and the median across all 5 listings is 3.90%. 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 Cripple Creek?
Across current Cripple Creek listings, the median principal-and-interest payment on the assumable loan is $2,076 per month versus $2,270 for the same balance at today's rates, a difference of about $194 every month, or $2,331 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 Cripple Creek?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Cripple Creek that gap is currently a median of $73,491 on a median list price of $349,999. 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 Cripple Creek ZIP codes have the most assumable homes?
The Cripple Creek ZIP codes with the most active assumable listings are 80813 (5). 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 Cripple Creek?
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 Cripple Creek.The rate is already on the house.
Every listing on the Cripple Creek map has a rate you can take over. Start with the ones in Cripple Creek, get pre-qualified in minutes, and let UMe carry the assumption to closing.
