VATop pick
Active
33$523,000$33,718 down
- Rate
- 2.75%
6.95%today- Payment
- $2,242/mo
$3,635today
- 4beds
- 3baths
- 2,000sqft
Erie, Colorado
Assumable homes for salein Erie, Colorado.
14 homes in Erie carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.55%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Erie assumable market
by the numbers.
14active assumable listings
3.55%lowest locked rate
$713kmedian list price
$642saved per month vs. 7.2%
About the market
Assumable mortgagesin Erie, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Erie. Updated September 2026.
How assumptions work for buyersErie, Colorado has 14 homes for sale with an assumable mortgage as of September 2026: 8 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 Erie assumable listings start at 3.55% with a median of 3.95%; 8 listings are under 4% and 9 are under 5%.
The median assumable home in Erie lists for $712,500, with a median of $365,943 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 $2,535 a month versus $3,177 for the same balance at today's rate, roughly $642 kept every month and $7,709 a year. The most active Erie ZIP codes are 80516 (14).
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 Erie assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Erie
View all 14 on the map Homes on the marketin Erie.
VATop pick
Active
27$320,000$24,113 down
- Rate
- 2.84%
6.95%today- Payment
- $1,369/mo
$2,194today
- 2beds
- 2baths
- 1,147sqft
3281 103rd Place #1403, Thornton
FHATop pick
Active
36$561,000$40,437 down
- Rate
- 2.88%
6.95%today- Payment
- $2,404/mo
$3,832today
- 5beds
- 4baths
- 2,420sqft
5141 116th Avenue, Thornton
FHATop pick
Active
42$360,000$21,395 down
- Rate
- 3.07%
6.95%today- Payment
- $1,604/mo
$2,496today
- 4beds
- 3baths
- 1,800sqft
10176 Quivas Street, Thornton
FHA
Active
26$399,900$72,248 down
- Rate
- 2.80%
6.95%today- Payment
- $1,513/mo
$2,437today
- 2beds
- 2baths
- 1,317sqft
2891 119th Avenue #202, Westminster
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
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 Erie.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 14
- UMe Certified / verified
- 0
- Lowest rate
- 3.55%
- Median rate
- 3.95%
- Median list price
- $712,500
- Median cash to assume
- $365,943
Erie listings by locked rate
- Under 4%8 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up4 homes
Erie listings by loan type
- VA8 homesmedian 5.75%
- FHA6 homesmedian 3.69%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Erie ZIP code.
Each ZIP opens the Erie map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Erie numbers
What an assumable ratedoes to an Erie payment.
The sliders start at the median Erie assumable listing: $712,500 list price and a 3.95% 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)$370,000
52% 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 Erie
$1,771/mo
New loan at 7.20%$2,342
Assumed at 3.95%
$1,771
Every month$571
Over five years$34,263
Interest you never pay$290,57426-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 Erie listing on UMe shows the actual balance, rate, and payment.
How it works in Erie
How to assumea mortgage in Erie.
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 Erie home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Erie 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 $365,943 in Erie 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 Erie payment written in a different decade.
Erie questions
Assuming a mortgagein Erie.
The numbers below come from current Erie inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Erie?
As of September 2026, UMe tracks 14 active assumable listings in Erie. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Erie?
Current Erie inventory breaks down as VA (8, median 5.75%) and FHA (6, median 3.69%). 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 Erie?
The lowest rate on an active Erie assumable listing is 3.55%, and the median across all 14 listings is 3.95%. 8 listings are under 4% and 9 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 Erie?
Across current Erie listings, the median principal-and-interest payment on the assumable loan is $2,535 per month versus $3,177 for the same balance at today's rates, a difference of about $642 every month, or $7,709 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 Erie?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Erie that gap is currently a median of $365,943 on a median list price of $712,500. 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 Erie ZIP codes have the most assumable homes?
The Erie ZIP codes with the most active assumable listings are 80516 (14). 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 Erie?
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 Erie.The rate is already on the house.
Every listing on the Erie map has a rate you can take over. Start with the ones in Erie, get pre-qualified in minutes, and let UMe carry the assumption to closing.
