VATop pick
Active
30$340,000$17,743 down
- Rate
- 2.98%
6.95%today- Payment
- $1,525/mo
$2,400today
- 4beds
- 2baths
- 1,280sqft
Fountain, Colorado
Assumable homes for salein Fountain, Colorado.
14 homes in Fountain carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.89%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Fountain assumable market
by the numbers.
14active assumable listings
2.89%lowest locked rate
$422kmedian list price
$809saved per month vs. 7.2%
About the market
Assumable mortgagesin Fountain, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Fountain. Updated September 2026.
How assumptions work for buyersFountain, Colorado has 14 homes for sale with an assumable mortgage as of September 2026: 12 VA loans and 2 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 Fountain assumable listings start at 2.89% with a median of 4.03%; 7 listings are under 4% and 8 are under 5%.
The median assumable home in Fountain lists for $421,950, with a median of $101,318 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 $1,714 a month versus $2,524 for the same balance at today's rate, roughly $809 kept every month and $9,712 a year. The most active Fountain ZIP codes are 80817 (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 Fountain assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Fountain
View all 14 on the map Homes on the marketin Fountain.
VATop pick
Active
48$550,000$47,230 down
- Rate
- 2.80%
6.95%today- Payment
- $2,322/mo
$3,740today
- 5beds
- 4baths
- 1,712sqft
6886 Volga Drive, Colorado City
FHATop pick
Active
19$217,000$20,046 down
- Rate
- 2.84%
6.95%today- Payment
- $933/mo
$1,495today
- 2beds
- 2baths
- 1,024sqft
1014 Lutheran Way, Colorado Springs
VATop pick
Active
31$375,000$29,737 down
- Rate
- 3.07%
6.95%today- Payment
- $1,632/mo
$2,539today
- 4beds
- 2baths
- 1,776sqft
2455 Payne Circle, Colorado Springs
VATop pick
Active
44$369,999$32,959 down
- Rate
- 3.10%
6.95%today- Payment
- $1,595/mo
$2,472today
- 3beds
- 3baths
- 1,537sqft
9221 Chieftan Drive, Colorado Springs
VA
Active
22$420,000$79,323 down
- Rate
- 2.73%
6.95%today- Payment
- $1,583/mo
$2,573today
- 3beds
- 4baths
- 2,371sqft
848 Wahsatch Ridge Point, Colorado Springs
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 Fountain.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 14
- UMe Certified / verified
- 0
- Lowest rate
- 2.89%
- Median rate
- 4.03%
- Median list price
- $421,950
- Median cash to assume
- $101,318
Fountain listings by locked rate
- Under 4%7 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up6 homes
Fountain listings by loan type
- VA12 homesmedian 5.55%
- FHA2 homesmedian 2.98%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Fountain ZIP code.
Each ZIP opens the Fountain map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Fountain numbers
What an assumable ratedoes to a Fountain payment.
The sliders start at the median Fountain assumable listing: $421,950 list price and a 4.03% 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)$100,000
24% 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 Fountain
$1,660/mo
New loan at 7.20%$2,172
Assumed at 4.05%
$1,660
Every month$512
Over five years$30,710
Interest you never pay$263,95626-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 Fountain listing on UMe shows the actual balance, rate, and payment.
How it works in Fountain
How to assumea mortgage in Fountain.
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 Fountain home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Fountain 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 $101,318 in Fountain 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 Fountain payment written in a different decade.
Fountain questions
Assuming a mortgagein Fountain.
The numbers below come from current Fountain inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Fountain?
As of September 2026, UMe tracks 14 active assumable listings in Fountain. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Fountain?
Current Fountain inventory breaks down as VA (12, median 5.55%) and FHA (2, median 2.98%). 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 Fountain?
The lowest rate on an active Fountain assumable listing is 2.89%, and the median across all 14 listings is 4.03%. 7 listings are under 4% and 8 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 Fountain?
Across current Fountain listings, the median principal-and-interest payment on the assumable loan is $1,714 per month versus $2,524 for the same balance at today's rates, a difference of about $809 every month, or $9,712 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 Fountain?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Fountain that gap is currently a median of $101,318 on a median list price of $421,950. 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 Fountain ZIP codes have the most assumable homes?
The Fountain ZIP codes with the most active assumable listings are 80817 (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 Fountain?
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 Fountain.The rate is already on the house.
Every listing on the Fountain map has a rate you can take over. Start with the ones in Fountain, get pre-qualified in minutes, and let UMe carry the assumption to closing.
