Active
50$825,000$376,289 down
- Rate
- 2.25%
6.95%today- Payment
- $2,013/mo
$3,485today
- 5beds
- 5baths
- 4,727sqft
Franktown, Colorado
Assumable homes for salein Franktown, Colorado.
2 homes in Franktown carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.11%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Franktown assumable market
by the numbers.
2active assumable listings
6.11%lowest locked rate
$1,548kmedian list price
$645saved per month vs. 7.2%
About the market
Assumable mortgagesin Franktown, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Franktown. Updated September 2026.
How assumptions work for buyersFranktown, Colorado has 2 homes for sale with an assumable mortgage as of September 2026: 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 Franktown assumable listings start at 6.11% with a median of 6.19%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Franktown lists for $1,547,500, with a median of $866,196 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 $4,432 a month versus $5,077 for the same balance at today's rate, roughly $645 kept every month and $7,743 a year. The most active Franktown ZIP codes are 80116 (2).
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 Franktown assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Franktown
View all 2 on the map Homes on the marketin Franktown.
VATop pick
Active
50$354,990$18,523 down
- Rate
- 2.99%
6.95%today- Payment
- $1,583/mo
$2,489today
- 2beds
- 2baths
- 1,286sqft
9318 Las Ramblas Court #P, Parker
FHA
Active
25$584,900$97,238 down
- Rate
- 2.80%
6.95%today- Payment
- $2,252/mo
$3,628today
- 3beds
- 3baths
- 2,265sqft
287 Vista Cliff Circle, Castle Rock
FHA
Active
50$575,000$113,993 down
- Rate
- 2.80%
6.95%today- Payment
- $2,124/mo
$3,422today
- 3beds
- 3baths
- 1,580sqft
10660 Pommel Court, Parker
VA
Active
45$800,000$83,385 down
- Rate
- 2.88%
6.95%today- Payment
- $3,309/mo
$5,276today
- 5beds
- 5baths
- 3,937sqft
11960 Singing Winds Street, Parker
VA
Active
50$564,900$102,909 down
- Rate
- 2.90%
6.95%today- Payment
- $2,147/mo
$3,415today
- 4beds
- 3baths
- 2,245sqft
16604 Hollow Horn Avenue, Parker
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 Franktown.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 6.11%
- Median rate
- 6.19%
- Median list price
- $1,547,500
- Median cash to assume
- $866,196
Franktown listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Franktown listings by loan type
- VA2 homesmedian 6.19%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Franktown ZIP code.
Each ZIP opens the Franktown map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Franktown numbers
What an assumable ratedoes to a Franktown payment.
The sliders start at the median Franktown assumable listing: $1,547,500 list price and a 6.19% 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)$870,000
56% 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 Franktown
$4,393/mo
New loan at 7.20%$4,616
Assumed at 6.20%
$4,393
Every month$222
Over five years$13,341
Interest you never pay$290,92926-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 Franktown listing on UMe shows the actual balance, rate, and payment.
How it works in Franktown
How to assumea mortgage in Franktown.
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 Franktown home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Franktown 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 $866,196 in Franktown 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 Franktown payment written in a different decade.
Franktown questions
Assuming a mortgagein Franktown.
The numbers below come from current Franktown inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Franktown?
As of September 2026, UMe tracks 2 active assumable listings in Franktown. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Franktown?
Current Franktown inventory breaks down as VA (2, median 6.19%). 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 Franktown?
The lowest rate on an active Franktown assumable listing is 6.11%, and the median across all 2 listings is 6.19%. 0 listings are under 4% and 0 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 Franktown?
Across current Franktown listings, the median principal-and-interest payment on the assumable loan is $4,432 per month versus $5,077 for the same balance at today's rates, a difference of about $645 every month, or $7,743 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 Franktown?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Franktown that gap is currently a median of $866,196 on a median list price of $1,547,500. 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 Franktown ZIP codes have the most assumable homes?
The Franktown ZIP codes with the most active assumable listings are 80116 (2). 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 Franktown?
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 Franktown.The rate is already on the house.
Every listing on the Franktown map has a rate you can take over. Start with the ones in Franktown, get pre-qualified in minutes, and let UMe carry the assumption to closing.
