FHA
Active
11$179,900$43,937 down
- Rate
- 2.96%
6.95%today- Payment
- $642/mo
$1,013today
- 1beds
- 1baths
- 608sqft
Fort Morgan, Colorado
Assumable homes for salein Fort Morgan, Colorado.
15 homes in Fort Morgan carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.96%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Fort Morgan assumable market
by the numbers.
15active assumable listings
2.96%lowest locked rate
$369kmedian list price
$490saved per month vs. 7.2%
About the market
Assumable mortgagesin Fort Morgan, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Fort Morgan. Updated September 2026.
How assumptions work for buyersFort Morgan, Colorado has 15 homes for sale with an assumable mortgage as of September 2026: 15 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 Fort Morgan assumable listings start at 2.96% with a median of 5.52%; 6 listings are under 4% and 6 are under 5%.
The median assumable home in Fort Morgan lists for $369,000, with a median of $81,519 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 $1,547 a month versus $2,036 for the same balance at today's rate, roughly $490 kept every month and $5,876 a year. The most active Fort Morgan ZIP codes are 80701 (15).
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 Fort Morgan assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Fort Morgan
View all 15 on the map Homes on the marketin Fort Morgan.
FHA
Active
21$333,800$81,193 down
- Rate
- 3.23%
6.95%today- Payment
- $1,262/mo
$1,924today
- 4beds
- 2baths
- 2,008sqft
911 Pawnee Avenue, Fort Morgan
VA
Active
34$899,000$500,384 down
- Rate
- 2.88%
6.95%today- Payment
- $2,272/mo
$3,416today
- 4beds
- 4baths
- 3,338sqft
15915 County Road, Weldona
FHA
Active
30$460,000$233,319 down
- Rate
- 3.10%
6.95%today- Payment
- $1,070/mo
$1,659today
- 3beds
- 1baths
- 1,602sqft
15798 Highway 144 Highway, Fort Morgan
FHA
Active
12$260,000Potential short sale
- Rate
- 4.98%
6.95%today- Payment
- $1,499/mo
$1,852today
- 4beds
- 2baths
- 1,512sqft
209 Larch Drive, Log Lane Village
FHA
Active
27$360,000$127,407 down
- Rate
- 3.65%
6.95%today- Payment
- $1,235/mo
$1,787today
- 5beds
- 2baths
- 2,028sqft
509 Ash Street, Fort Morgan
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 Fort Morgan.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 15
- UMe Certified / verified
- 0
- Lowest rate
- 2.96%
- Median rate
- 5.52%
- Median list price
- $369,000
- Median cash to assume
- $81,519
Fort Morgan listings by locked rate
- Under 4%6 homes
- 4% – 5%0 homes
- 5% – 6%2 homes
- 6% and up7 homes
Fort Morgan listings by loan type
- FHA15 homesmedian 5.52%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Fort Morgan ZIP code.
Each ZIP opens the Fort Morgan map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Fort Morgan numbers
What an assumable ratedoes to a Fort Morgan payment.
The sliders start at the median Fort Morgan assumable listing: $369,000 list price and a 5.52% 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)$85,000
23% 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 Fort Morgan
$1,719/mo
New loan at 7.20%$1,935
Assumed at 5.50%
$1,719
Every month$216
Over five years$12,935
Interest you never pay$160,12226-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 Fort Morgan listing on UMe shows the actual balance, rate, and payment.
How it works in Fort Morgan
How to assumea mortgage in Fort Morgan.
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 Fort Morgan home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Fort Morgan 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 $81,519 in Fort Morgan 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 Fort Morgan payment written in a different decade.
Fort Morgan questions
Assuming a mortgagein Fort Morgan.
The numbers below come from current Fort Morgan inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Fort Morgan?
As of September 2026, UMe tracks 15 active assumable listings in Fort Morgan. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Fort Morgan?
Current Fort Morgan inventory breaks down as FHA (15, median 5.52%). 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 Fort Morgan?
The lowest rate on an active Fort Morgan assumable listing is 2.96%, and the median across all 15 listings is 5.52%. 6 listings are under 4% and 6 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 Fort Morgan?
Across current Fort Morgan listings, the median principal-and-interest payment on the assumable loan is $1,547 per month versus $2,036 for the same balance at today's rates, a difference of about $490 every month, or $5,876 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 Fort Morgan?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Fort Morgan that gap is currently a median of $81,519 on a median list price of $369,000. 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 Fort Morgan ZIP codes have the most assumable homes?
The Fort Morgan ZIP codes with the most active assumable listings are 80701 (15). 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 Fort Morgan?
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 Fort Morgan.The rate is already on the house.
Every listing on the Fort Morgan map has a rate you can take over. Start with the ones in Fort Morgan, get pre-qualified in minutes, and let UMe carry the assumption to closing.
