FHA
Active
17$423,500$68,404 down
- Rate
- 2.87%
6.95%today- Payment
- $1,652/mo
$2,638today
- 3beds
- 2baths
- 1,639sqft
Keenesburg, Colorado
Assumable homes for salein Keenesburg, Colorado.
9 homes in Keenesburg carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.71%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Keenesburg assumable market
by the numbers.
9active assumable listings
2.71%lowest locked rate
$425kmedian list price
$1,120saved per month vs. 7.2%
About the market
Assumable mortgagesin Keenesburg, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Keenesburg. Updated September 2026.
How assumptions work for buyersKeenesburg, Colorado has 9 homes for sale with an assumable mortgage as of September 2026: 7 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 Keenesburg assumable listings start at 2.71% with a median of 3.55%; 6 listings are under 4% and 7 are under 5%.
The median assumable home in Keenesburg lists for $425,000, with a median of $90,697 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 $1,652 a month versus $2,773 for the same balance at today's rate, roughly $1,120 kept every month and $13,445 a year. The most active Keenesburg ZIP codes are 80643 (9).
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 Keenesburg assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Keenesburg
View all 9 on the map Homes on the marketin Keenesburg.
VA
Active
29$425,000$72,450 down
- Rate
- 2.98%
6.95%today- Payment
- $1,664/mo
$2,620today
- 3beds
- 2baths
- 1,639sqft
524 Evans Avenue, Keenesburg
VA
Active
28$425,000$72,450 down
- Rate
- 2.98%
6.95%today- Payment
- $1,664/mo
$2,620today
- 3beds
- 2baths
- 1,639sqft
524 Evans Avenue, Keenesburg
FHA
Active
26$399,500$133,783 down
- Rate
- 2.71%
6.95%today- Payment
- $1,244/mo
$2,027today
- 3beds
- 2baths
- 1,320sqft
301 Thomas Avenue, Keenesburg
FHA
Active
14$325,000$94,774 down
- Rate
- 2.74%
6.95%today- Payment
- $1,071/mo
$1,739today
- 3beds
- 2baths
- 1,092sqft
454 Birch Street, Hudson
VA
Active
33$885,000$510,038 down
- Rate
- 2.72%
6.95%today- Payment
- $1,753/mo
$2,853today
- 4beds
- 4baths
- 2,314sqft
16515 Umpire Court, Hudson
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 Keenesburg.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 9
- UMe Certified / verified
- 0
- Lowest rate
- 2.71%
- Median rate
- 3.55%
- Median list price
- $425,000
- Median cash to assume
- $90,697
Keenesburg listings by locked rate
- Under 4%6 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up1 home
Keenesburg listings by loan type
- FHA7 homesmedian 3.61%
- VA2 homesmedian 2.98%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Keenesburg ZIP code.
Each ZIP opens the Keenesburg map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Keenesburg numbers
What an assumable ratedoes to a Keenesburg payment.
The sliders start at the median Keenesburg assumable listing: $425,000 list price and a 3.55% 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)$90,000
21% 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 Keenesburg
$1,646/mo
New loan at 7.20%$2,274
Assumed at 3.55%
$1,646
Every month$628
Over five years$37,683
Interest you never pay$305,10226-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 Keenesburg listing on UMe shows the actual balance, rate, and payment.
How it works in Keenesburg
How to assumea mortgage in Keenesburg.
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 Keenesburg home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Keenesburg 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 $90,697 in Keenesburg 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 Keenesburg payment written in a different decade.
Keenesburg questions
Assuming a mortgagein Keenesburg.
The numbers below come from current Keenesburg inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Keenesburg?
As of September 2026, UMe tracks 9 active assumable listings in Keenesburg. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Keenesburg?
Current Keenesburg inventory breaks down as FHA (7, median 3.61%) and VA (2, median 2.98%). 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 Keenesburg?
The lowest rate on an active Keenesburg assumable listing is 2.71%, and the median across all 9 listings is 3.55%. 6 listings are under 4% and 7 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 Keenesburg?
Across current Keenesburg listings, the median principal-and-interest payment on the assumable loan is $1,652 per month versus $2,773 for the same balance at today's rates, a difference of about $1,120 every month, or $13,445 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 Keenesburg?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Keenesburg that gap is currently a median of $90,697 on a median list price of $425,000. 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 Keenesburg ZIP codes have the most assumable homes?
The Keenesburg ZIP codes with the most active assumable listings are 80643 (9). 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 Keenesburg?
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 Keenesburg.The rate is already on the house.
Every listing on the Keenesburg map has a rate you can take over. Start with the ones in Keenesburg, get pre-qualified in minutes, and let UMe carry the assumption to closing.
