VA
Active
49$1,225,000$211,157 down
- Rate
- 2.83%
6.95%today- Payment
- $4,785/mo
$7,679today
- 4beds
- 4baths
- 4,225sqft
Evergreen, Colorado
Assumable homes for salein Evergreen, Colorado.
18 homes in Evergreen carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.25%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Evergreen assumable market
by the numbers.
18active assumable listings
2.25%lowest locked rate
$925kmedian list price
$1,207saved per month vs. 7.2%
About the market
Assumable mortgagesin Evergreen, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Evergreen. Updated September 2026.
How assumptions work for buyersEvergreen, Colorado has 18 homes for sale with an assumable mortgage as of September 2026: 10 VA loans and 8 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 Evergreen assumable listings start at 2.25% with a median of 3.42%; 10 listings are under 4% and 12 are under 5%.
The median assumable home in Evergreen lists for $924,950, with a median of $294,134 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 $2,965 a month versus $4,173 for the same balance at today's rate, roughly $1,207 kept every month and $14,485 a year. The most active Evergreen ZIP codes are 80439 (18).
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 Evergreen assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Evergreen
View all 18 on the map Homes on the marketin Evergreen.
VA
Active
42$875,000$175,467 down
- Rate
- 3.09%
6.95%today- Payment
- $3,314/mo
$5,143today
- 3beds
- 3baths
- 2,432sqft
191 Diamond Drive, Pine
VA
Active
27$514,900$200,538 down
- Rate
- 2.25%
6.95%today- Payment
- $1,388/mo
$2,404today
- 2beds
- 1baths
- 1,022sqft
11574 Green Court, Conifer
FHA
Active
42$750,000$251,913 down
- Rate
- 2.99%
6.95%today- Payment
- $2,349/mo
$3,693today
- 3beds
- 3baths
- 2,275sqft
290 Elk Valley Drive, Evergreen
FHA
Active
50$700,000$161,388 down
- Rate
- 2.99%
6.95%today- Payment
- $2,557/mo
$4,020today
- 3beds
- 3baths
- 1,680sqft
33758 Harmon Road, Pine
FHA
Active
44$615,000$171,407 down
- Rate
- 3.23%
6.95%today- Payment
- $2,216/mo
$3,378today
- 3beds
- 3baths
- 2,112sqft
13976 Wamblee Trail, Conifer
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 Evergreen.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 18
- UMe Certified / verified
- 0
- Lowest rate
- 2.25%
- Median rate
- 3.42%
- Median list price
- $924,950
- Median cash to assume
- $294,134
Evergreen listings by locked rate
- Under 4%10 homes
- 4% – 5%2 homes
- 5% – 6%0 homes
- 6% and up6 homes
Evergreen listings by loan type
- VA10 homesmedian 3.04%
- FHA8 homesmedian 4.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Evergreen ZIP code.
Each ZIP opens the Evergreen map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Evergreen numbers
What an assumable ratedoes to an Evergreen payment.
The sliders start at the median Evergreen assumable listing: $924,950 list price and a 3.42% 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)$295,000
32% 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 Evergreen
$3,044/mo
New loan at 7.20%$4,276
Assumed at 3.40%
$3,044
Every month$1,232
Over five years$73,928
Interest you never pay$589,69426-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 Evergreen listing on UMe shows the actual balance, rate, and payment.
How it works in Evergreen
How to assumea mortgage in Evergreen.
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 Evergreen home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Evergreen 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 $294,134 in Evergreen 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 Evergreen payment written in a different decade.
Evergreen questions
Assuming a mortgagein Evergreen.
The numbers below come from current Evergreen inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Evergreen?
As of September 2026, UMe tracks 18 active assumable listings in Evergreen. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Evergreen?
Current Evergreen inventory breaks down as VA (10, median 3.04%) and FHA (8, median 4.50%). 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 Evergreen?
The lowest rate on an active Evergreen assumable listing is 2.25%, and the median across all 18 listings is 3.42%. 10 listings are under 4% and 12 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 Evergreen?
Across current Evergreen listings, the median principal-and-interest payment on the assumable loan is $2,965 per month versus $4,173 for the same balance at today's rates, a difference of about $1,207 every month, or $14,485 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 Evergreen?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Evergreen that gap is currently a median of $294,134 on a median list price of $924,950. 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 Evergreen ZIP codes have the most assumable homes?
The Evergreen ZIP codes with the most active assumable listings are 80439 (18). 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 Evergreen?
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 Evergreen.The rate is already on the house.
Every listing on the Evergreen map has a rate you can take over. Start with the ones in Evergreen, get pre-qualified in minutes, and let UMe carry the assumption to closing.
