FHA
Active
43$575,000$138,680 down
- Rate
- 2.98%
6.95%today- Payment
- $2,065/mo
$3,250today
- 4beds
- 3baths
- 1,856sqft
Kremmling, Colorado
Assumable homes for salein Kremmling, Colorado.
3 homes in Kremmling 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
Kremmling assumable market
by the numbers.
3active assumable listings
2.83%lowest locked rate
$500kmedian list price
$1,070saved per month vs. 7.2%
About the market
Assumable mortgagesin Kremmling, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Kremmling. Updated September 2026.
How assumptions work for buyersKremmling, Colorado has 3 homes for sale with an assumable mortgage as of September 2026: 2 FHA loans and 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 Kremmling assumable listings start at 2.83% with a median of 2.98%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Kremmling lists for $499,900, with a median of $189,594 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 $1,532 a month versus $2,602 for the same balance at today's rate, roughly $1,070 kept every month and $12,841 a year. The most active Kremmling ZIP codes are 80459 (3).
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 Kremmling assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Kremmling
View all 3 on the map Homes on the marketin Kremmling.
VA
Active
44$499,900$176,025 down
- Rate
- 2.83%
6.95%today- Payment
- $1,532/mo
$2,459today
- 2beds
- 2baths
- 1,216sqft
478 GCR 164, Kremmling
FHA
Active
6$395,000$384,696 down
- Rate
- 6.28%
6.95%today- Payment
- $68/mo
$73today
- 3beds
- 1baths
- 1,786sqft
220 20th, Kremmling
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 Kremmling.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 2.83%
- Median rate
- 2.98%
- Median list price
- $499,900
- Median cash to assume
- $189,594
Kremmling listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Kremmling listings by loan type
- FHA2 homesmedian 4.63%
- VA1 homemedian 2.83%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Kremmling ZIP code.
Each ZIP opens the Kremmling map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Kremmling numbers
What an assumable ratedoes to a Kremmling payment.
The sliders start at the median Kremmling assumable listing: $499,900 list price and a 2.98% 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)$190,000
38% 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 Kremmling
$1,432/mo
New loan at 7.20%$2,104
Assumed at 3.00%
$1,432
Every month$672
Over five years$40,326
Interest you never pay$310,69926-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 Kremmling listing on UMe shows the actual balance, rate, and payment.
How it works in Kremmling
How to assumea mortgage in Kremmling.
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 Kremmling home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Kremmling 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 $189,594 in Kremmling 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 Kremmling payment written in a different decade.
Kremmling questions
Assuming a mortgagein Kremmling.
The numbers below come from current Kremmling inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Kremmling?
As of September 2026, UMe tracks 3 active assumable listings in Kremmling. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Kremmling?
Current Kremmling inventory breaks down as FHA (2, median 4.63%) and VA (1, median 2.83%). 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 Kremmling?
The lowest rate on an active Kremmling assumable listing is 2.83%, and the median across all 3 listings is 2.98%. 2 listings are 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 Kremmling?
Across current Kremmling listings, the median principal-and-interest payment on the assumable loan is $1,532 per month versus $2,602 for the same balance at today's rates, a difference of about $1,070 every month, or $12,841 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 Kremmling?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Kremmling that gap is currently a median of $189,594 on a median list price of $499,900. 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 Kremmling ZIP codes have the most assumable homes?
The Kremmling ZIP codes with the most active assumable listings are 80459 (3). 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 Kremmling?
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 Kremmling.The rate is already on the house.
Every listing on the Kremmling map has a rate you can take over. Start with the ones in Kremmling, get pre-qualified in minutes, and let UMe carry the assumption to closing.
