FHA
Active
39$495,000$111,179 down
- Rate
- 2.96%
6.95%today- Payment
- $1,812/mo
$2,860today
- 3beds
- 4baths
- 2,108sqft
Idaho Springs, Colorado
Assumable homes for salein Idaho Springs, Colorado.
4 homes in Idaho Springs carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.83%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Idaho Springs assumable market
by the numbers.
4active assumable listings
2.83%lowest locked rate
$527kmedian list price
$766saved per month vs. 7.2%
About the market
Assumable mortgagesin Idaho Springs, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Idaho Springs. Updated September 2026.
How assumptions work for buyersIdaho Springs, Colorado has 4 homes for sale with an assumable mortgage as of September 2026: 2 FHA loans and 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 Idaho Springs assumable listings start at 2.83% with a median of 5.48%; 1 listing is under 4% and 2 are under 5%.
The median assumable home in Idaho Springs lists for $527,450, with a median of $75,826 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 $2,551 a month versus $3,317 for the same balance at today's rate, roughly $766 kept every month and $9,195 a year. The most active Idaho Springs ZIP codes are 80452 (4).
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 Idaho Springs assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Idaho Springs
View all 4 on the map Homes on the marketin Idaho Springs.
FHA
Active
42$750,000$251,913 down
- Rate
- 2.99%
6.95%today- Payment
- $2,349/mo
$3,693today
- 3beds
- 3baths
- 2,275sqft
290 Elk Valley Drive, Evergreen
FHA
Active
48$545,000$168,281 down
- Rate
- 3.06%
6.95%today- Payment
- $1,806/mo
$2,814today
- 4beds
- 3baths
- 2,301sqft
1263 Nevadaville Road, Central City
VA
Active
50$995,000$482,165 down
- Rate
- 2.83%
6.95%today- Payment
- $2,415/mo
$3,875today
- 3beds
- 3baths
- 3,651sqft
940 Spring Gulch Road, Idaho Springs
VA
Active
49$899,900$536,193 down
- Rate
- 2.83%
6.95%today- Payment
- $1,725/mo
$2,768today
- 3beds
- 3baths
- 2,304sqft
77 Gigi Lane, Evergreen
VA
Active
50$1,350,000$619,418 down
- Rate
- 2.88%
6.95%today- Payment
- $3,411/mo
$5,439today
- 4beds
- 3baths
- 3,240sqft
800 Divide View Drive, Golden
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 Idaho Springs.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 4
- UMe Certified / verified
- 0
- Lowest rate
- 2.83%
- Median rate
- 5.48%
- Median list price
- $527,450
- Median cash to assume
- $75,826
Idaho Springs listings by locked rate
- Under 4%1 home
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up2 homes
Idaho Springs listings by loan type
- FHA2 homesmedian 5.48%
- VA2 homesmedian 4.89%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Idaho Springs ZIP code.
Each ZIP opens the Idaho Springs map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Idaho Springs numbers
What an assumable ratedoes to an Idaho Springs payment.
The sliders start at the median Idaho Springs assumable listing: $527,450 list price and a 5.48% 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)$75,000
14% 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 Idaho Springs
$2,714/mo
New loan at 7.20%$3,055
Assumed at 5.50%
$2,714
Every month$340
Over five years$20,424
Interest you never pay$252,82426-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 Idaho Springs listing on UMe shows the actual balance, rate, and payment.
How it works in Idaho Springs
How to assumea mortgage in Idaho 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 an Idaho Springs home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Idaho 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 $75,826 in Idaho 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 an Idaho Springs payment written in a different decade.
Idaho Springs questions
Assuming a mortgagein Idaho Springs.
The numbers below come from current Idaho Springs inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Idaho Springs?
As of September 2026, UMe tracks 4 active assumable listings in Idaho 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 Idaho Springs?
Current Idaho Springs inventory breaks down as FHA (2, median 5.48%) and VA (2, median 4.89%). 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 Idaho Springs?
The lowest rate on an active Idaho Springs assumable listing is 2.83%, and the median across all 4 listings is 5.48%. 1 listing is under 4% and 2 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 Idaho Springs?
Across current Idaho Springs listings, the median principal-and-interest payment on the assumable loan is $2,551 per month versus $3,317 for the same balance at today's rates, a difference of about $766 every month, or $9,195 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 Idaho Springs?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Idaho Springs that gap is currently a median of $75,826 on a median list price of $527,450. 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 Idaho Springs ZIP codes have the most assumable homes?
The Idaho Springs ZIP codes with the most active assumable listings are 80452 (4). 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 Idaho 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 Idaho Springs.The rate is already on the house.
Every listing on the Idaho Springs map has a rate you can take over. Start with the ones in Idaho Springs, get pre-qualified in minutes, and let UMe carry the assumption to closing.
