VA
Active
24$240,000Potential short sale
- Rate
- 3.12%
6.95%today- Payment
- $1,391/mo
$2,151today
- 3beds
- 3baths
- 2,413sqft
La Junta, Colorado
Assumable homes for salein La Junta, Colorado.
1 home in La Junta carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.35%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
La Junta assumable market
by the numbers.
1active assumable listing
6.35%lowest locked rate
$198kmedian list price
$188saved per month vs. 7.2%
About the market
Assumable mortgagesin La Junta, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to La Junta. Updated August 2026.
How assumptions work for buyersLa Junta, Colorado has 1 home for sale with an assumable mortgage as of August 2026: 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 La Junta assumable listings start at 6.35% with a median of 6.35%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in La Junta lists for $197,500. At the median assumable rate the principal-and-interest payment is about $1,493 a month versus $1,681 for the same balance at today's rate, roughly $188 kept every month and $2,256 a year. The most active La Junta ZIP codes are 81050 (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 La Junta assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in La Junta
View all 1 on the map Homes on the marketin La Junta.
VA
Active
44$385,500$29,838 down
- Rate
- 6.92%
6.95%today- Payment
- $2,394/mo
$2,401today
- 4beds
- 2baths
- 2,294sqft
305 Kimble Avenue, Swink
VA
Active
25$197,500Potential short sale
- Rate
- 6.35%
6.95%today- Payment
- $1,493/mo
$1,589today
- 3beds
- 2baths
- 1,836sqft
604 Polk Street, La Junta
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 La Junta.
Live counts from the MLS feeds we index for Colorado. Updated August 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 6.35%
- Median rate
- 6.35%
- Median list price
- $197,500
La Junta listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
La Junta listings by loan type
- VA1 homemedian 6.35%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby La Junta ZIP code.
Each ZIP opens the La Junta map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the La Junta numbers
What an assumable ratedoes to a La Junta payment.
The sliders start at the median La Junta assumable listing: $197,500 list price and a 6.35% 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)$40,000
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 La Junta
$1,049/mo
New loan at 7.20%$1,086
Assumed at 6.35%
$1,049
Every month$37
Over five years$2,238
Interest you never pay$63,77026-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 La Junta listing on UMe shows the actual balance, rate, and payment.
How it works in La Junta
How to assumea mortgage in La Junta.
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 La Junta home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the La Junta 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 La Junta payment written in a different decade.
La Junta questions
Assuming a mortgagein La Junta.
The numbers below come from current La Junta inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in La Junta?
As of August 2026, UMe tracks 1 active assumable listing in La Junta. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in La Junta?
Current La Junta inventory breaks down as VA (1, median 6.35%). 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 La Junta?
The lowest rate on an active La Junta assumable listing is 6.35%, and the median across all 1 listing is 6.35%. 0 listings are under 4% and 0 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 La Junta?
Across current La Junta listings, the median principal-and-interest payment on the assumable loan is $1,493 per month versus $1,681 for the same balance at today's rates, a difference of about $188 every month, or $2,256 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
Which La Junta ZIP codes have the most assumable homes?
The La Junta ZIP codes with the most active assumable listings are 81050 (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 La Junta?
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 La Junta.The rate is already on the house.
Every listing on the La Junta map has a rate you can take over. Start with the ones in La Junta, get pre-qualified in minutes, and let UMe carry the assumption to closing.
