Active
45$599,950$279,241 down
- Rate
- 2.25%
6.95%today- Payment
- $1,427/mo
$2,472today
- 4beds
- 2baths
- 2,080sqft
Loveland, Colorado
Assumable homes for salein Loveland, Colorado.
39 homes in Loveland carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.25%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Loveland assumable market
by the numbers.
39active assumable listings
2.25%lowest locked rate
$480kmedian list price
$776saved per month vs. 7.2%
About the market
Assumable mortgagesin Loveland, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Loveland. Updated September 2026.
How assumptions work for buyersLoveland, Colorado has 39 homes for sale with an assumable mortgage as of September 2026: 24 FHA loans and 14 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 Loveland assumable listings start at 2.25% with a median of 4.02%; 19 listings are under 4% and 24 are under 5%.
The median assumable home in Loveland lists for $480,000, with a median of $226,723 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 $1,624 a month versus $2,400 for the same balance at today's rate, roughly $776 kept every month and $9,312 a year. The most active Loveland ZIP codes are 80537 (23) and 80538 (16).
1 listing in Loveland is UMe Certified, meaning the balance, rate, and assumability have been confirmed with the listing agent. 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 Loveland assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Loveland
View all 39 on the map Homes on the marketin Loveland.
FHA
Active
16$460,000$70,871 down
- Rate
- 2.98%
6.95%today- Payment
- $1,821/mo
$2,866today
- 3beds
- 3baths
- 1,884sqft
3855 Arrowwood Lane, Johnstown
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
39$429,900$54,645 down
- Rate
- 3.17%
6.95%today- Payment
- $1,829/mo
$2,810today
- 3beds
- 3baths
- 1,934sqft
3504 Valleywood Court, Johnstown
VA
Active
50$745,000$176,715 down
- Rate
- 2.79%
6.95%today- Payment
- $2,621/mo
$4,228today
- 5beds
- 4baths
- 4,150sqft
1018 Gabriella Lane, Berthoud
VA
Active
46$525,000$121,833 down
- Rate
- 2.80%
6.95%today- Payment
- $1,906/mo
$3,070today
- 5beds
- 3baths
- 2,698sqft
2973 Night Sky Drive, Berthoud
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 Loveland.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 39
- UMe Certified / verified
- 1
- Lowest rate
- 2.25%
- Median rate
- 4.02%
- Median list price
- $480,000
- Median cash to assume
- $226,723
Loveland listings by locked rate
- Under 4%19 homes
- 4% – 5%5 homes
- 5% – 6%1 home
- 6% and up14 homes
Loveland listings by loan type
- FHA24 homesmedian 5.10%
- VA14 homesmedian 3.52%
- Other1 homemedian 2.25%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Loveland ZIP code.
Each ZIP opens the Loveland map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Loveland numbers
What an assumable ratedoes to a Loveland payment.
The sliders start at the median Loveland assumable listing: $480,000 list price and a 4.02% 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)$225,000
47% 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 Loveland
$1,316/mo
New loan at 7.20%$1,731
Assumed at 4.00%
$1,316
Every month$415
Over five years$24,899
Interest you never pay$212,55926-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 Loveland listing on UMe shows the actual balance, rate, and payment.
How it works in Loveland
How to assumea mortgage in Loveland.
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 Loveland home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Loveland 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 $226,723 in Loveland 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 Loveland payment written in a different decade.
Loveland questions
Assuming a mortgagein Loveland.
The numbers below come from current Loveland inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Loveland?
As of September 2026, UMe tracks 39 active assumable listings in Loveland. 1 of them is UMe Certified, meaning the loan balance, rate, and assumability have been confirmed with the listing agent. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Loveland?
Current Loveland inventory breaks down as FHA (24, median 5.10%), VA (14, median 3.52%), and Other (1, median 2.25%). 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 Loveland?
The lowest rate on an active Loveland assumable listing is 2.25%, and the median across all 39 listings is 4.02%. 19 listings are under 4% and 24 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 Loveland?
Across current Loveland listings, the median principal-and-interest payment on the assumable loan is $1,624 per month versus $2,400 for the same balance at today's rates, a difference of about $776 every month, or $9,312 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 Loveland?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Loveland that gap is currently a median of $226,723 on a median list price of $480,000. 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 Loveland ZIP codes have the most assumable homes?
The Loveland ZIP codes with the most active assumable listings are 80537 (23) and 80538 (16). 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 Loveland?
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 Loveland.The rate is already on the house.
Every listing on the Loveland map has a rate you can take over. Start with the ones in Loveland, get pre-qualified in minutes, and let UMe carry the assumption to closing.
