FHA
Active
23$339,000$62,645 down
- Rate
- 2.84%
6.95%today- Payment
- $1,282/mo
$2,054today
- 3beds
- 3baths
- 1,734sqft
Longmont, Colorado
Assumable homes for salein Longmont, Colorado.
44 homes in Longmont carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.48%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Longmont assumable market
by the numbers.
44active assumable listings
2.48%lowest locked rate
$502kmedian list price
$1,049saved per month vs. 7.2%
About the market
Assumable mortgagesin Longmont, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Longmont. Updated September 2026.
How assumptions work for buyersLongmont, Colorado has 44 homes for sale with an assumable mortgage as of September 2026: 25 FHA loans and 19 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 Longmont assumable listings start at 2.48% with a median of 4.99%; 19 listings are under 4% and 22 are under 5%.
The median assumable home in Longmont lists for $502,000, with a median of $157,499 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 $1,841 a month versus $2,890 for the same balance at today's rate, roughly $1,049 kept every month and $12,582 a year. The most active Longmont ZIP codes are 80504 (25), 80501 (14), and 80503 (5).
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 Longmont assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Longmont
View all 44 on the map Homes on the marketin Longmont.
VA
Active
17$379,900$55,745 down
- Rate
- 2.90%
6.95%today- Payment
- $1,507/mo
$2,396today
- 2beds
- 2baths
- 1,140sqft
805 Summer Hawk Drive #66, Longmont
FHA
Active
45$415,000$81,658 down
- Rate
- 3.07%
6.95%today- Payment
- $1,579/mo
$2,457today
- 4beds
- 4baths
- 1,955sqft
1225 Baker Street, Longmont
FHA
Active
19$529,000$69,067 down
- Rate
- 3.07%
6.95%today- Payment
- $2,174/mo
$3,383today
- 4beds
- 3baths
- 1,826sqft
218 Cowbell Drive, Berthoud
FHA
Active
48$535,000$42,186 down
- Rate
- 3.45%
6.95%today- Payment
- $2,419/mo
$3,588today
- 3beds
- 3baths
- 1,683sqft
1901 Red Cloud Road, Longmont
VA
Active
40$350,000$65,402 down
- Rate
- 3.40%
6.95%today- Payment
- $1,463/mo
$2,184today
- 2beds
- 2baths
- 910sqft
7436 Singing Hills Drive, Boulder
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 Longmont.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 44
- UMe Certified / verified
- 0
- Lowest rate
- 2.48%
- Median rate
- 4.99%
- Median list price
- $502,000
- Median cash to assume
- $157,499
Longmont listings by locked rate
- Under 4%19 homes
- 4% – 5%3 homes
- 5% – 6%3 homes
- 6% and up19 homes
Longmont listings by loan type
- FHA25 homesmedian 6.00%
- VA19 homesmedian 3.84%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Longmont ZIP code.
Each ZIP opens the Longmont map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Longmont numbers
What an assumable ratedoes to a Longmont payment.
The sliders start at the median Longmont assumable listing: $502,000 list price and a 4.99% 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)$155,000
31% 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 Longmont
$1,978/mo
New loan at 7.20%$2,342
Assumed at 5.00%
$1,978
Every month$364
Over five years$21,827
Interest you never pay$225,90826-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 Longmont listing on UMe shows the actual balance, rate, and payment.
How it works in Longmont
How to assumea mortgage in Longmont.
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 Longmont home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Longmont 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 $157,499 in Longmont 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 Longmont payment written in a different decade.
Longmont questions
Assuming a mortgagein Longmont.
The numbers below come from current Longmont inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Longmont?
As of September 2026, UMe tracks 44 active assumable listings in Longmont. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Longmont?
Current Longmont inventory breaks down as FHA (25, median 6.00%) and VA (19, median 3.84%). 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 Longmont?
The lowest rate on an active Longmont assumable listing is 2.48%, and the median across all 44 listings is 4.99%. 19 listings are under 4% and 22 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 Longmont?
Across current Longmont listings, the median principal-and-interest payment on the assumable loan is $1,841 per month versus $2,890 for the same balance at today's rates, a difference of about $1,049 every month, or $12,582 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 Longmont?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Longmont that gap is currently a median of $157,499 on a median list price of $502,000. 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 Longmont ZIP codes have the most assumable homes?
The Longmont ZIP codes with the most active assumable listings are 80504 (25), 80501 (14), and 80503 (5). 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 Longmont?
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 Longmont.The rate is already on the house.
Every listing on the Longmont map has a rate you can take over. Start with the ones in Longmont, get pre-qualified in minutes, and let UMe carry the assumption to closing.
