VA
Active
45$800,000$83,385 down
- Rate
- 2.88%
6.95%today- Payment
- $3,309/mo
$5,276today
- 5beds
- 5baths
- 3,937sqft
Elizabeth, Colorado
Assumable homes for salein Elizabeth, Colorado.
22 homes in Elizabeth carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.78%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Elizabeth assumable market
by the numbers.
22active assumable listings
2.78%lowest locked rate
$694kmedian list price
$896saved per month vs. 7.2%
About the market
Assumable mortgagesin Elizabeth, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Elizabeth. Updated September 2026.
How assumptions work for buyersElizabeth, Colorado has 22 homes for sale with an assumable mortgage as of September 2026: 16 VA loans and 6 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 Elizabeth assumable listings start at 2.78% with a median of 4.99%; 8 listings are under 4% and 11 are under 5%.
The median assumable home in Elizabeth lists for $694,450, with a median of $184,480 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 $3,190 a month versus $4,086 for the same balance at today's rate, roughly $896 kept every month and $10,748 a year. The most active Elizabeth ZIP codes are 80107 (22).
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 Elizabeth assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Elizabeth
View all 22 on the map Homes on the marketin Elizabeth.
FHA
Active
21$675,000$51,462 down
- Rate
- 3.51%
6.95%today- Payment
- $3,068/mo
$4,517today
- 4beds
- 3baths
- 2,500sqft
44076 Morning Star Court, Elizabeth
VA
Active
50$1,250,000$335,876 down
- Rate
- 2.78%
6.95%today- Payment
- $4,221/mo
$6,818today
- 5beds
- 5baths
- 3,978sqft
33725 Wildflower, Elizabeth
VA
Active
34$290,000$53,893 down
- Rate
- 3.07%
6.95%today- Payment
- $1,118/mo
$1,740today
- 2beds
- 3baths
- 1,374sqft
645 Yuma Loop #402, Kiowa
VA
Active
43$599,000$42,925 down
- Rate
- 4.20%
6.95%today- Payment
- $2,927/mo
$3,962today
- 4beds
- 2baths
- 2,207sqft
8285 Sunrise Drive, Elizabeth
VA
Active
48$1,500,000$170,176 down
- Rate
- 3.75%
6.95%today- Payment
- $6,717/mo
$9,601today
- 5beds
- 4baths
- 3,845sqft
6200 Canyon Trail, Elizabeth
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 Elizabeth.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 22
- UMe Certified / verified
- 0
- Lowest rate
- 2.78%
- Median rate
- 4.99%
- Median list price
- $694,450
- Median cash to assume
- $184,480
Elizabeth listings by locked rate
- Under 4%8 homes
- 4% – 5%3 homes
- 5% – 6%2 homes
- 6% and up9 homes
Elizabeth listings by loan type
- VA16 homesmedian 4.99%
- FHA6 homesmedian 4.51%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Elizabeth ZIP code.
Each ZIP opens the Elizabeth map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Elizabeth numbers
What an assumable ratedoes to an Elizabeth payment.
The sliders start at the median Elizabeth assumable listing: $694,450 list price and a 4.99% 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)$185,000
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 Elizabeth
$2,924/mo
New loan at 7.20%$3,462
Assumed at 5.00%
$2,924
Every month$538
Over five years$32,266
Interest you never pay$333,95126-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 Elizabeth listing on UMe shows the actual balance, rate, and payment.
How it works in Elizabeth
How to assumea mortgage in Elizabeth.
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 an Elizabeth home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Elizabeth 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 $184,480 in Elizabeth 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 an Elizabeth payment written in a different decade.
Elizabeth questions
Assuming a mortgagein Elizabeth.
The numbers below come from current Elizabeth inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Elizabeth?
As of September 2026, UMe tracks 22 active assumable listings in Elizabeth. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Elizabeth?
Current Elizabeth inventory breaks down as VA (16, median 4.99%) and FHA (6, median 4.51%). 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 Elizabeth?
The lowest rate on an active Elizabeth assumable listing is 2.78%, and the median across all 22 listings is 4.99%. 8 listings are under 4% and 11 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 Elizabeth?
Across current Elizabeth listings, the median principal-and-interest payment on the assumable loan is $3,190 per month versus $4,086 for the same balance at today's rates, a difference of about $896 every month, or $10,748 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 Elizabeth?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Elizabeth that gap is currently a median of $184,480 on a median list price of $694,450. 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 Elizabeth ZIP codes have the most assumable homes?
The Elizabeth ZIP codes with the most active assumable listings are 80107 (22). 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 Elizabeth?
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 Elizabeth.The rate is already on the house.
Every listing on the Elizabeth map has a rate you can take over. Start with the ones in Elizabeth, get pre-qualified in minutes, and let UMe carry the assumption to closing.
