FHATop pick
Active
26$399,000$13,572 down
- Rate
- 3.10%
6.95%today- Payment
- $1,824/mo
$2,827today
- 2beds
- 1baths
- 875sqft
Dacono, Colorado
Assumable homes for salein Dacono, Colorado.
8 homes in Dacono carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.46%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Dacono assumable market
by the numbers.
8active assumable listings
3.46%lowest locked rate
$478kmedian list price
$295saved per month vs. 7.2%
About the market
Assumable mortgagesin Dacono, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Dacono. Updated September 2026.
How assumptions work for buyersDacono, Colorado has 8 homes for sale with an assumable mortgage as of September 2026: 5 FHA loans and 3 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 Dacono assumable listings start at 3.46% with a median of 6.64%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Dacono lists for $477,500, with a median of $51,817 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 $2,949 a month versus $3,244 for the same balance at today's rate, roughly $295 kept every month and $3,538 a year. The most active Dacono ZIP codes are 80514 (8).
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 Dacono assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Dacono
View all 8 on the map Homes on the marketin Dacono.
FHATop pick
Active
34$390,000$45,221 down
- Rate
- 2.87%
6.95%today- Payment
- $1,608/mo
$2,567today
- 3beds
- 1baths
- 1,027sqft
12342 Newport Court, Brighton
FHA
Active
23$339,000$62,645 down
- Rate
- 2.84%
6.95%today- Payment
- $1,282/mo
$2,054today
- 3beds
- 3baths
- 1,734sqft
1601 Great Western Drive #4, Longmont
FHA
Active
38$395,000$67,110 down
- Rate
- 2.84%
6.95%today- Payment
- $1,521/mo
$2,437today
- 3beds
- 3baths
- 1,577sqft
5328 Spalding Place, Frederick
FHA
Active
29$324,900$38,909 down
- Rate
- 2.90%
6.95%today- Payment
- $1,332/mo
$2,119today
- 2beds
- 2baths
- 1,292sqft
12711 Colorado Boulevard #914, Thornton
VA
Active
17$379,900$55,745 down
- Rate
- 2.90%
6.95%today- Payment
- $1,507/mo
$2,396today
- 2beds
- 2baths
- 1,140sqft
805 Summer Hawk Drive #66, Longmont
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 Dacono.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 8
- UMe Certified / verified
- 0
- Lowest rate
- 3.46%
- Median rate
- 6.64%
- Median list price
- $477,500
- Median cash to assume
- $51,817
Dacono listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up7 homes
Dacono listings by loan type
- FHA5 homesmedian 6.64%
- VA3 homesmedian 6.88%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Dacono ZIP code.
Each ZIP opens the Dacono map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Dacono numbers
What an assumable ratedoes to a Dacono payment.
The sliders start at the median Dacono assumable listing: $477,500 list price and a 6.64% 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)$55,000
11% 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 Dacono
$2,866/mo
New loan at 7.20%$2,885
Assumed at 6.65%
$2,866
Every month$19
Over five years$1,113
Interest you never pay$144,26026-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 Dacono listing on UMe shows the actual balance, rate, and payment.
How it works in Dacono
How to assumea mortgage in Dacono.
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 Dacono home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Dacono 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 $51,817 in Dacono 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 Dacono payment written in a different decade.
Dacono questions
Assuming a mortgagein Dacono.
The numbers below come from current Dacono inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Dacono?
As of September 2026, UMe tracks 8 active assumable listings in Dacono. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Dacono?
Current Dacono inventory breaks down as FHA (5, median 6.64%) and VA (3, median 6.88%). 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 Dacono?
The lowest rate on an active Dacono assumable listing is 3.46%, and the median across all 8 listings is 6.64%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Dacono?
Across current Dacono listings, the median principal-and-interest payment on the assumable loan is $2,949 per month versus $3,244 for the same balance at today's rates, a difference of about $295 every month, or $3,538 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 Dacono?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Dacono that gap is currently a median of $51,817 on a median list price of $477,500. 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 Dacono ZIP codes have the most assumable homes?
The Dacono ZIP codes with the most active assumable listings are 80514 (8). 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 Dacono?
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 Dacono.The rate is already on the house.
Every listing on the Dacono map has a rate you can take over. Start with the ones in Dacono, get pre-qualified in minutes, and let UMe carry the assumption to closing.
