FHA
Active
23$339,000$62,645 down
- Rate
- 2.84%
6.95%today- Payment
- $1,282/mo
$2,054today
- 3beds
- 3baths
- 1,734sqft
Frederick, Colorado
Assumable homes for salein Frederick, Colorado.
19 homes in Frederick carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.84%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Frederick assumable market
by the numbers.
19active assumable listings
2.84%lowest locked rate
$498kmedian list price
$1,059saved per month vs. 7.2%
About the market
Assumable mortgagesin Frederick, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Frederick. Updated September 2026.
How assumptions work for buyersFrederick, Colorado has 19 homes for sale with an assumable mortgage as of September 2026: 16 FHA loans and 3 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 Frederick assumable listings start at 2.84% with a median of 4.17%; 8 listings are under 4% and 10 are under 5%.
The median assumable home in Frederick lists for $498,000, with a median of $94,524 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 $1,521 a month versus $2,580 for the same balance at today's rate, roughly $1,059 kept every month and $12,706 a year. The most active Frederick ZIP codes are 80530 (11), 80504 (7), and 80516 (1).
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 Frederick assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Frederick
View all 19 on the map Homes on the marketin Frederick.
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
FHA
Active
29$324,900$38,909 down
- Rate
- 2.90%
6.95%today- Payment
- $1,332/mo
$2,119today
- 2beds
- 2baths
- 1,292sqft
12711 Colorado Boulevard #914, Thornton
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
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 Frederick.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 19
- UMe Certified / verified
- 0
- Lowest rate
- 2.84%
- Median rate
- 4.17%
- Median list price
- $498,000
- Median cash to assume
- $94,524
Frederick listings by locked rate
- Under 4%8 homes
- 4% – 5%2 homes
- 5% – 6%1 home
- 6% and up8 homes
Frederick listings by loan type
- FHA16 homesmedian 3.89%
- VA3 homesmedian 5.82%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Frederick ZIP code.
Each ZIP opens the Frederick map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Frederick numbers
What an assumable ratedoes to a Frederick payment.
The sliders start at the median Frederick assumable listing: $498,000 list price and a 4.17% 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)$95,000
19% 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 Frederick
$2,124/mo
New loan at 7.20%$2,749
Assumed at 4.15%
$2,124
Every month$625
Over five years$37,506
Interest you never pay$326,98926-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 Frederick listing on UMe shows the actual balance, rate, and payment.
How it works in Frederick
How to assumea mortgage in Frederick.
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 Frederick home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Frederick 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 $94,524 in Frederick 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 Frederick payment written in a different decade.
Frederick questions
Assuming a mortgagein Frederick.
The numbers below come from current Frederick inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Frederick?
As of September 2026, UMe tracks 19 active assumable listings in Frederick. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Frederick?
Current Frederick inventory breaks down as FHA (16, median 3.89%) and VA (3, median 5.82%). 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 Frederick?
The lowest rate on an active Frederick assumable listing is 2.84%, and the median across all 19 listings is 4.17%. 8 listings are under 4% and 10 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 Frederick?
Across current Frederick listings, the median principal-and-interest payment on the assumable loan is $1,521 per month versus $2,580 for the same balance at today's rates, a difference of about $1,059 every month, or $12,706 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 Frederick?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Frederick that gap is currently a median of $94,524 on a median list price of $498,000. 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 Frederick ZIP codes have the most assumable homes?
The Frederick ZIP codes with the most active assumable listings are 80530 (11), 80504 (7), and 80516 (1). 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 Frederick?
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 Frederick.The rate is already on the house.
Every listing on the Frederick map has a rate you can take over. Start with the ones in Frederick, get pre-qualified in minutes, and let UMe carry the assumption to closing.
