FHA
Active
42$369,950$42,830 down
- Rate
- 2.96%
6.95%today- Payment
- $1,544/mo
$2,437today
- 3beds
- 3baths
- 1,513sqft
Evans, Colorado
Assumable homes for salein Evans, Colorado.
20 homes in Evans carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.86%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Evans assumable market
by the numbers.
20active assumable listings
2.86%lowest locked rate
$425kmedian list price
$707saved per month vs. 7.2%
About the market
Assumable mortgagesin Evans, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Evans. Updated September 2026.
How assumptions work for buyersEvans, Colorado has 20 homes for sale with an assumable mortgage as of September 2026: 18 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 Evans assumable listings start at 2.86% with a median of 4.11%; 10 listings are under 4% and 11 are under 5%.
The median assumable home in Evans lists for $424,950, with a median of $145,692 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 $1,375 a month versus $2,082 for the same balance at today's rate, roughly $707 kept every month and $8,485 a year. The most active Evans ZIP codes are 80620 (20).
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 Evans assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Evans
View all 20 on the map Homes on the marketin Evans.
FHA
Active
45$436,500$86,660 down
- Rate
- 2.98%
6.95%today- Payment
- $1,652/mo
$2,600today
- 4beds
- 3baths
- 3,358sqft
309 Lincoln Avenue, Platteville
VA
Active
20$354,900$36,817 down
- Rate
- 3.05%
6.95%today- Payment
- $1,503/mo
$2,345today
- 3beds
- 3baths
- 2,196sqft
4355 24th Street Road #1704, Greeley
FHA
Active
25$355,000$57,290 down
- Rate
- 3.10%
6.95%today- Payment
- $1,409/mo
$2,184today
- 3beds
- 3baths
- 1,548sqft
4355 24th St Rd #3503, Greeley
FHA
Active
31$375,000$43,927 down
- Rate
- 3.25%
6.95%today- Payment
- $1,603/mo
$2,438today
- 3beds
- 3baths
- 1,902sqft
6605 4th Street Road #3, Greeley
VA
Active
20$255,000$25,869 down
- Rate
- 3.45%
6.95%today- Payment
- $1,125/mo
$1,668today
- 2beds
- 2baths
- 1,200sqft
3405 16th Street #C, Greeley
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 Evans.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 20
- UMe Certified / verified
- 0
- Lowest rate
- 2.86%
- Median rate
- 4.11%
- Median list price
- $424,950
- Median cash to assume
- $145,692
Evans listings by locked rate
- Under 4%10 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up9 homes
Evans listings by loan type
- FHA18 homesmedian 5.38%
- VA2 homesmedian 3.00%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Evans ZIP code.
Each ZIP opens the Evans map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Evans numbers
What an assumable ratedoes to an Evans payment.
The sliders start at the median Evans assumable listing: $424,950 list price and a 4.11% 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)$145,000
34% 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 Evans
$1,461/mo
New loan at 7.20%$1,901
Assumed at 4.10%
$1,461
Every month$440
Over five years$26,402
Interest you never pay$228,51726-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 Evans listing on UMe shows the actual balance, rate, and payment.
How it works in Evans
How to assumea mortgage in Evans.
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 Evans home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Evans 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 $145,692 in Evans 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 Evans payment written in a different decade.
Evans questions
Assuming a mortgagein Evans.
The numbers below come from current Evans inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Evans?
As of September 2026, UMe tracks 20 active assumable listings in Evans. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Evans?
Current Evans inventory breaks down as FHA (18, median 5.38%) and VA (2, median 3.00%). 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 Evans?
The lowest rate on an active Evans assumable listing is 2.86%, and the median across all 20 listings is 4.11%. 10 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 Evans?
Across current Evans listings, the median principal-and-interest payment on the assumable loan is $1,375 per month versus $2,082 for the same balance at today's rates, a difference of about $707 every month, or $8,485 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 Evans?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Evans that gap is currently a median of $145,692 on a median list price of $424,950. 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 Evans ZIP codes have the most assumable homes?
The Evans ZIP codes with the most active assumable listings are 80620 (20). 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 Evans?
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 Evans.The rate is already on the house.
Every listing on the Evans map has a rate you can take over. Start with the ones in Evans, get pre-qualified in minutes, and let UMe carry the assumption to closing.
