VA
Active
28$519,000$96,917 down
- Rate
- 5.78%
6.95%today- Payment
- $2,621/mo
$2,964today
- 2beds
- 2baths
- 1,214sqft
Hot Sulphur Springs, Colorado
Assumable homes for salein Hot Sulphur Springs, Colorado.
1 home in Hot Sulphur Springs carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 5.78%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Hot Sulphur Springs assumable market
by the numbers.
1active assumable listing
5.78%lowest locked rate
$519kmedian list price
$515saved per month vs. 7.2%
About the market
Assumable mortgagesin Hot Sulphur Springs, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Hot Sulphur Springs. Updated September 2026.
How assumptions work for buyersHot Sulphur Springs, Colorado has 1 home for sale with an assumable mortgage as of September 2026: 1 VA 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 Hot Sulphur Springs assumable listings start at 5.78% with a median of 5.78%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Hot Sulphur Springs lists for $519,000, with a median of $96,331 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 $2,621 a month versus $3,137 for the same balance at today's rate, roughly $515 kept every month and $6,184 a year. The most active Hot Sulphur Springs ZIP codes are 80451 (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 Hot Sulphur Springs assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Hot Sulphur Springs
View all 1 on the map Homes on the marketin Hot Sulphur 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 Hot Sulphur Springs.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 5.78%
- Median rate
- 5.78%
- Median list price
- $519,000
- Median cash to assume
- $96,331
Hot Sulphur Springs listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up0 homes
Hot Sulphur Springs listings by loan type
- VA1 homemedian 5.78%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Hot Sulphur Springs ZIP code.
Each ZIP opens the Hot Sulphur Springs map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Hot Sulphur Springs numbers
What an assumable ratedoes to a Hot Sulphur Springs payment.
The sliders start at the median Hot Sulphur Springs assumable listing: $519,000 list price and a 5.78% 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
18% 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 Hot Sulphur Springs
$2,641/mo
New loan at 7.20%$2,885
Assumed at 5.80%
$2,641
Every month$244
Over five years$14,640
Interest you never pay$214,60026-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 Hot Sulphur Springs listing on UMe shows the actual balance, rate, and payment.
How it works in Hot Sulphur Springs
How to assumea mortgage in Hot Sulphur Springs.
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 Hot Sulphur Springs home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Hot Sulphur Springs 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 $96,331 in Hot Sulphur Springs 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 Hot Sulphur Springs payment written in a different decade.
Hot Sulphur Springs questions
Assuming a mortgagein Hot Sulphur Springs.
The numbers below come from current Hot Sulphur Springs inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Hot Sulphur Springs?
As of September 2026, UMe tracks 1 active assumable listing in Hot Sulphur Springs. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Hot Sulphur Springs?
Current Hot Sulphur Springs inventory breaks down as VA (1, median 5.78%). 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 Hot Sulphur Springs?
The lowest rate on an active Hot Sulphur Springs assumable listing is 5.78%, and the median across all 1 listing is 5.78%. 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 Hot Sulphur Springs?
Across current Hot Sulphur Springs listings, the median principal-and-interest payment on the assumable loan is $2,621 per month versus $3,137 for the same balance at today's rates, a difference of about $515 every month, or $6,184 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 Hot Sulphur Springs?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Hot Sulphur Springs that gap is currently a median of $96,331 on a median list price of $519,000. 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 Hot Sulphur Springs ZIP codes have the most assumable homes?
The Hot Sulphur Springs ZIP codes with the most active assumable listings are 80451 (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 Hot Sulphur Springs?
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 Hot Sulphur Springs.The rate is already on the house.
Every listing on the Hot Sulphur Springs map has a rate you can take over. Start with the ones in Hot Sulphur Springs, get pre-qualified in minutes, and let UMe carry the assumption to closing.
