FHATop pick
Active
41$510,000$30,816 down
- Rate
- 2.90%
6.95%today- Payment
- $2,227/mo
$3,542today
- 3beds
- 3baths
- 1,798sqft
Kittredge, Colorado
Assumable homes for salein Kittredge, Colorado.
1 home in Kittredge carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.73%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Kittredge assumable market
by the numbers.
1active assumable listing
2.73%lowest locked rate
$335kmedian list price
$24saved per month vs. 7.2%
About the market
Assumable mortgagesin Kittredge, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Kittredge. Updated September 2026.
How assumptions work for buyersKittredge, 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 Kittredge assumable listings start at 2.73% with a median of 2.73%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Kittredge lists for $335,000, with a median of $327,830 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 $36 a month versus $60 for the same balance at today's rate, roughly $24 kept every month and $286 a year. The most active Kittredge ZIP codes are 80457 (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 Kittredge assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Kittredge
View all 1 on the map Homes on the marketin Kittredge.
VA
Active
49$1,225,000$211,157 down
- Rate
- 2.83%
6.95%today- Payment
- $4,785/mo
$7,679today
- 4beds
- 4baths
- 4,225sqft
7643 Red Fox Drive, Evergreen
VA
Active
27$514,900$200,538 down
- Rate
- 2.25%
6.95%today- Payment
- $1,388/mo
$2,404today
- 2beds
- 1baths
- 1,022sqft
11574 Green Court, Conifer
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
VA
Active
26$599,000$300,946 down
- Rate
- 2.25%
6.95%today- Payment
- $1,333/mo
$2,309today
- 3beds
- 2baths
- 1,224sqft
7256 Aspen Meadow Drive, Evergreen
VA
Active
50$847,000$464,254 down
- Rate
- 2.25%
6.95%today- Payment
- $1,717/mo
$2,973today
- 3beds
- 3baths
- 2,618sqft
6374 Kenya Drive, Evergreen
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 Kittredge.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 2.73%
- Median rate
- 2.73%
- Median list price
- $335,000
- Median cash to assume
- $327,830
Kittredge listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Kittredge listings by loan type
- FHA1 homemedian 2.73%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Kittredge ZIP code.
Each ZIP opens the Kittredge map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Kittredge numbers
What an assumable ratedoes to a Kittredge payment.
The sliders start at the median Kittredge assumable listing: $335,000 list price and a 2.73% 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)$285,000
85% 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 Kittredge
$224/mo
New loan at 7.20%$339
Assumed at 2.75%
$224
Every month$115
Over five years$6,894
Interest you never pay$52,14026-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 Kittredge listing on UMe shows the actual balance, rate, and payment.
How it works in Kittredge
How to assumea mortgage in Kittredge.
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 Kittredge home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Kittredge 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 $327,830 in Kittredge 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 Kittredge payment written in a different decade.
Kittredge questions
Assuming a mortgagein Kittredge.
The numbers below come from current Kittredge inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Kittredge?
As of September 2026, UMe tracks 1 active assumable listing in Kittredge. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Kittredge?
Current Kittredge inventory breaks down as FHA (1, median 2.73%). 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 Kittredge?
The lowest rate on an active Kittredge assumable listing is 2.73%, and the median across all 1 listing is 2.73%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Kittredge?
Across current Kittredge listings, the median principal-and-interest payment on the assumable loan is $36 per month versus $60 for the same balance at today's rates, a difference of about $24 every month, or $286 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 Kittredge?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Kittredge that gap is currently a median of $327,830 on a median list price of $335,000. 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 Kittredge ZIP codes have the most assumable homes?
The Kittredge ZIP codes with the most active assumable listings are 80457 (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 Kittredge?
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 Kittredge.The rate is already on the house.
Every listing on the Kittredge map has a rate you can take over. Start with the ones in Kittredge, get pre-qualified in minutes, and let UMe carry the assumption to closing.
