FHA
Active
36$425,000$60,931 down
- Rate
- 2.90%
6.95%today- Payment
- $1,696/mo
$2,697today
- 3beds
- 3baths
- 1,447sqft
Greeley, Colorado
Assumable homes for salein Greeley, Colorado.
92 homes in Greeley carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.74%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Greeley assumable market
by the numbers.
92active assumable listings
2.74%lowest locked rate
$425kmedian list price
$664saved per month vs. 7.2%
About the market
Assumable mortgagesin Greeley, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Greeley. Updated September 2026.
How assumptions work for buyersGreeley, Colorado has 92 homes for sale with an assumable mortgage as of September 2026: 68 FHA loans and 24 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 Greeley assumable listings start at 2.74% with a median of 5.51%; 30 listings are under 4% and 37 are under 5%.
The median assumable home in Greeley lists for $424,950, with a median of $80,355 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 $1,828 a month versus $2,492 for the same balance at today's rate, roughly $664 kept every month and $7,965 a year. The most active Greeley ZIP codes are 80634 (66) and 80631 (26).
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 Greeley assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Greeley
View all 92 on the map Homes on the marketin Greeley.
FHA
Active
42$369,950$42,830 down
- Rate
- 2.96%
6.95%today- Payment
- $1,544/mo
$2,437today
- 3beds
- 3baths
- 1,513sqft
322 Maple Avenue, Eaton
VA
Active
20$625,000$95,814 down
- Rate
- 3.02%
6.95%today- Payment
- $2,515/mo
$3,939today
- 5beds
- 3baths
- 4,281sqft
39445 Main Street, Eaton
VA
Active
20$354,900$36,817 down
- Rate
- 3.05%
6.95%today- Payment
- $1,503/mo
$2,345today
- 3beds
- 3baths
- 2,196sqft
4355 24th Street Road #1704, Greeley
FHA
Active
25$355,000$57,290 down
- Rate
- 3.10%
6.95%today- Payment
- $1,409/mo
$2,184today
- 3beds
- 3baths
- 1,548sqft
4355 24th St Rd #3503, Greeley
FHA
Active
31$375,000$43,927 down
- Rate
- 3.25%
6.95%today- Payment
- $1,603/mo
$2,438today
- 3beds
- 3baths
- 1,902sqft
6605 4th Street Road #3, Greeley
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 Greeley.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 92
- UMe Certified / verified
- 0
- Lowest rate
- 2.74%
- Median rate
- 5.51%
- Median list price
- $424,950
- Median cash to assume
- $80,355
Greeley listings by locked rate
- Under 4%30 homes
- 4% – 5%7 homes
- 5% – 6%12 homes
- 6% and up41 homes
Greeley listings by loan type
- FHA68 homesmedian 5.93%
- VA24 homesmedian 4.28%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Greeley ZIP code.
Each ZIP opens the Greeley map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Greeley numbers
What an assumable ratedoes to a Greeley payment.
The sliders start at the median Greeley assumable listing: $424,950 list price and a 5.51% 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)$80,000
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 Greeley
$2,081/mo
New loan at 7.20%$2,342
Assumed at 5.50%
$2,081
Every month$261
Over five years$15,659
Interest you never pay$193,83226-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 Greeley listing on UMe shows the actual balance, rate, and payment.
How it works in Greeley
How to assumea mortgage in Greeley.
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 Greeley home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Greeley 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 $80,355 in Greeley 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 Greeley payment written in a different decade.
Greeley questions
Assuming a mortgagein Greeley.
The numbers below come from current Greeley inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Greeley?
As of September 2026, UMe tracks 92 active assumable listings in Greeley. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Greeley?
Current Greeley inventory breaks down as FHA (68, median 5.93%) and VA (24, median 4.28%). 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 Greeley?
The lowest rate on an active Greeley assumable listing is 2.74%, and the median across all 92 listings is 5.51%. 30 listings are under 4% and 37 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 Greeley?
Across current Greeley listings, the median principal-and-interest payment on the assumable loan is $1,828 per month versus $2,492 for the same balance at today's rates, a difference of about $664 every month, or $7,965 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 Greeley?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Greeley that gap is currently a median of $80,355 on a median list price of $424,950. 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 Greeley ZIP codes have the most assumable homes?
The Greeley ZIP codes with the most active assumable listings are 80634 (66) and 80631 (26). 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 Greeley?
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 Greeley.The rate is already on the house.
Every listing on the Greeley map has a rate you can take over. Start with the ones in Greeley, get pre-qualified in minutes, and let UMe carry the assumption to closing.
