FHA
Active
29$907,500$306,178 down
- Rate
- 6.00%
6.95%today- Payment
- $3,616/mo
$3,992today
- 3beds
- 2baths
- 1,452sqft
Gypsum, Colorado
Assumable homes for salein Gypsum, Colorado.
1 home in Gypsum carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.00%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Gypsum assumable market
by the numbers.
1active assumable listing
6.00%lowest locked rate
$908kmedian list price
$609saved per month vs. 7.2%
About the market
Assumable mortgagesin Gypsum, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Gypsum. Updated September 2026.
How assumptions work for buyersGypsum, Colorado has 1 home for sale with an assumable mortgage as of September 2026: 1 FHA loan 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 Gypsum assumable listings start at 6.00% with a median of 6.00%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Gypsum lists for $907,500, with a median of $306,178 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 $3,616 a month versus $4,225 for the same balance at today's rate, roughly $609 kept every month and $7,312 a year. The most active Gypsum ZIP codes are 81637 (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 Gypsum assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Gypsum
View all 1 on the map Homes on the marketin Gypsum.
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 Gypsum.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 6.00%
- Median rate
- 6.00%
- Median list price
- $907,500
- Median cash to assume
- $306,178
Gypsum listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Gypsum listings by loan type
- FHA1 homemedian 6.00%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Gypsum ZIP code.
Each ZIP opens the Gypsum map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Gypsum numbers
What an assumable ratedoes to a Gypsum payment.
The sliders start at the median Gypsum assumable listing: $907,500 list price and a 6.00% 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)$310,000
34% 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 Gypsum
$3,802/mo
New loan at 7.20%$4,073
Assumed at 6.00%
$3,802
Every month$271
Over five years$16,240
Interest you never pay$279,93926-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 Gypsum listing on UMe shows the actual balance, rate, and payment.
How it works in Gypsum
How to assumea mortgage in Gypsum.
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 Gypsum home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Gypsum 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 $306,178 in Gypsum 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 Gypsum payment written in a different decade.
Gypsum questions
Assuming a mortgagein Gypsum.
The numbers below come from current Gypsum inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Gypsum?
As of September 2026, UMe tracks 1 active assumable listing in Gypsum. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Gypsum?
Current Gypsum inventory breaks down as FHA (1, median 6.00%). 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 Gypsum?
The lowest rate on an active Gypsum assumable listing is 6.00%, and the median across all 1 listing is 6.00%. 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 Gypsum?
Across current Gypsum listings, the median principal-and-interest payment on the assumable loan is $3,616 per month versus $4,225 for the same balance at today's rates, a difference of about $609 every month, or $7,312 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 Gypsum?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Gypsum that gap is currently a median of $306,178 on a median list price of $907,500. 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 Gypsum ZIP codes have the most assumable homes?
The Gypsum ZIP codes with the most active assumable listings are 81637 (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 Gypsum?
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 Gypsum.The rate is already on the house.
Every listing on the Gypsum map has a rate you can take over. Start with the ones in Gypsum, get pre-qualified in minutes, and let UMe carry the assumption to closing.
