VA
Active
50$779,000$154,216 down
- Rate
- 2.77%
6.95%today- Payment
- $2,862/mo
$4,629today
- 5beds
- 4baths
- 4,440sqft
Kersey, Colorado
Assumable homes for salein Kersey, Colorado.
An assumable mortgage lets you take over a seller’s existing low-rate FHA, VA, or USDA loan instead of financing at today’s 7.2%. These are the ones we verify in Kersey.
Live MLS data · Updated
Kersey assumable market
by the numbers.
6active assumable listings
4.15%average locked rate
$451ktypical list price
$695saved per month vs. 7.2%
About the market
Assumable mortgagesin Kersey, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Kersey. Updated September 2026.
How assumptions work for buyersAs of September 2026, UMe has no verified assumable listings in Kersey. That changes quickly: assumable homes come on the market every week across Colorado as sellers with FHA, VA, and USDA loans written at 2% to 5% decide to move. Save a Kersey search on the map and we will email you the moment one lands.
An assumable mortgage lets a qualified buyer take over the seller's existing loan, keeping the original rate, balance, and remaining term instead of financing at today's roughly 7.2%. FHA, VA, and USDA loans are assumable by law; conventional loans almost never are. UMe confirms the loan terms with the listing agent, runs the assumption with the servicer, and connects buyers with lenders who write second loans behind an assumption when the seller's equity is more than their cash.
Verified in Kersey
Homes on the marketin Kersey.
VA
Active
17$329,000$79,503 down
- Rate
- 2.77%
6.95%today- Payment
- $1,173/mo
$1,896today
- 3beds
- 2baths
- 1,344sqft
31254 2nd Street, Gill
FHA
Active
40$300,000$46,473 down
- Rate
- 4.17%
6.95%today- Payment
- $1,340/mo
$1,820today
- 2beds
- 1baths
- 672sqft
2316 6th Avenue, Greeley
FHA
Active
15$300,000$28,912 down
- Rate
- 5.10%
6.95%today- Payment
- $1,573/mo
$1,917today
- 2beds
- 1baths
- 756sqft
2001 5th Avenue, Greeley
FHA
Active
45$385,000$55,154 down
- Rate
- 4.98%
6.95%today- Payment
- $1,893/mo
$2,340today
- 3beds
- 2baths
- 1,428sqft
2812 Arbor Avenue, Greeley
FHA
Active
30$615,000$146,953 down
- Rate
- 5.12%
6.95%today- Payment
- $2,575/mo
$3,132today
- 4beds
- 2baths
- 2,306sqft
27476 County Road 66, Gill
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.
Run the Kersey numbers
What an assumable ratedoes to a Kersey payment.
The sliders start at the median Kersey assumable listing: $451,333 list price and a 4.15% 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
20% 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 Kersey
$1,888/mo
New loan at 7.20%$2,444
Assumed at 4.15%
$1,888
Every month$556
Over five years$33,339
Interest you never pay$290,65726-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 Kersey listing on UMe shows the actual balance, rate, and payment.
How it works in Kersey
How to assumea mortgage in Kersey.
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 Kersey home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Kersey 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. 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 Kersey payment written in a different decade.
Kersey questions
Assuming a mortgagein Kersey.
The numbers below come from current Kersey inventory and update as listings change.
All assumption FAQsAre there assumable homes for sale in Kersey?
As of September 2026, there are no verified assumable listings in Kersey. New assumable homes appear every week across Colorado; save a search on the map and we will email you when one lands in Kersey.
What types of loans can be assumed in Kersey?
FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in Colorado. Conventional loans usually include a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan.
How long does a mortgage assumption take in Kersey?
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 Kersey.The rate is already on the house.
Every listing on the Kersey map has a rate you can take over. Start with the ones in Kersey, get pre-qualified in minutes, and let UMe carry the assumption to closing.
