FHA
Active
23$339,000$62,645 down
- Rate
- 2.84%
6.95%today- Payment
- $1,282/mo
$2,054today
- 3beds
- 3baths
- 1,734sqft
Firestone, Colorado
Assumable homes for salein Firestone, Colorado.
9 homes in Firestone carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.73%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Firestone assumable market
by the numbers.
9active assumable listings
2.73%lowest locked rate
$569kmedian list price
$1,274saved per month vs. 7.2%
About the market
Assumable mortgagesin Firestone, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Firestone. Updated September 2026.
How assumptions work for buyersFirestone, Colorado has 9 homes for sale with an assumable mortgage as of September 2026: 7 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 Firestone assumable listings start at 2.73% with a median of 3.76%; 4 listings are under 4% and 5 are under 5%.
The median assumable home in Firestone lists for $569,000, with a median of $190,001 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 $1,773 a month versus $3,047 for the same balance at today's rate, roughly $1,274 kept every month and $15,285 a year. The most active Firestone ZIP codes are 80504 (9).
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 Firestone assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Firestone
View all 9 on the map Homes on the marketin Firestone.
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
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
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
FHA
Active
47$429,900$57,136 down
- Rate
- 3.02%
6.95%today- Payment
- $1,768/mo
$2,768today
- 4beds
- 2baths
- 1,470sqft
1454 Goldeneye Lane, Brighton
FHA
Active
32$537,500$62,277 down
- Rate
- 3.06%
6.95%today- Payment
- $2,273/mo
$3,542today
- 4beds
- 3baths
- 1,682sqft
13400 Raritan Street, Denver
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 Firestone.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 9
- UMe Certified / verified
- 0
- Lowest rate
- 2.73%
- Median rate
- 3.76%
- Median list price
- $569,000
- Median cash to assume
- $190,001
Firestone listings by locked rate
- Under 4%4 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up2 homes
Firestone listings by loan type
- FHA7 homesmedian 2.94%
- VA2 homesmedian 5.63%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Firestone ZIP code.
Each ZIP opens the Firestone map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Firestone numbers
What an assumable ratedoes to a Firestone payment.
The sliders start at the median Firestone assumable listing: $569,000 list price and a 3.76% 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)$190,000
33% 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 Firestone
$1,908/mo
New loan at 7.20%$2,579
Assumed at 3.75%
$1,908
Every month$671
Over five years$40,257
Interest you never pay$333,14726-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 Firestone listing on UMe shows the actual balance, rate, and payment.
How it works in Firestone
How to assumea mortgage in Firestone.
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 Firestone home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Firestone 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 $190,001 in Firestone 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 Firestone payment written in a different decade.
Firestone questions
Assuming a mortgagein Firestone.
The numbers below come from current Firestone inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Firestone?
As of September 2026, UMe tracks 9 active assumable listings in Firestone. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Firestone?
Current Firestone inventory breaks down as FHA (7, median 2.94%) and VA (2, median 5.63%). 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 Firestone?
The lowest rate on an active Firestone assumable listing is 2.73%, and the median across all 9 listings is 3.76%. 4 listings are under 4% and 5 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 Firestone?
Across current Firestone listings, the median principal-and-interest payment on the assumable loan is $1,773 per month versus $3,047 for the same balance at today's rates, a difference of about $1,274 every month, or $15,285 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 Firestone?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Firestone that gap is currently a median of $190,001 on a median list price of $569,000. 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 Firestone ZIP codes have the most assumable homes?
The Firestone ZIP codes with the most active assumable listings are 80504 (9). 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 Firestone?
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 Firestone.The rate is already on the house.
Every listing on the Firestone map has a rate you can take over. Start with the ones in Firestone, get pre-qualified in minutes, and let UMe carry the assumption to closing.
