Active
45$600,000$201,563 down
- Rate
- 1.99%
6.95%today- Payment
- $1,718/mo
$3,081today
- 5beds
- 4baths
- 3,807sqft
Monument, Colorado
Assumable homes for salein Monument, Colorado.
29 homes in Monument carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.39%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Monument assumable market
by the numbers.
29active assumable listings
2.39%lowest locked rate
$750kmedian list price
$839saved per month vs. 7.2%
About the market
Assumable mortgagesin Monument, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Monument. Updated September 2026.
How assumptions work for buyersMonument, Colorado has 29 homes for sale with an assumable mortgage as of September 2026: 29 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 Monument assumable listings start at 2.39% with a median of 4.99%; 13 listings are under 4% and 15 are under 5%.
The median assumable home in Monument lists for $749,900, with a median of $203,994 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 $3,440 a month versus $4,280 for the same balance at today's rate, roughly $839 kept every month and $10,071 a year. The most active Monument ZIP codes are 80132 (29).
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 Monument assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Monument
View all 29 on the map Homes on the marketin Monument.
VATop pick
Active
44$1,210,000$33,337 down
- Rate
- 2.77%
6.95%today- Payment
- $5,403/mo
$8,738today
- 5beds
- 5baths
- 5,066sqft
18910 Archers Drive, Monument
VATop pick
Active
37$270,000$21,434 down
- Rate
- 2.84%
6.95%today- Payment
- $1,150/mo
$1,844today
- 1beds
- 1baths
- 900sqft
2170 Alicia Point #102, Colorado Springs
VATop pick
Active
44$800,000$80,450 down
- Rate
- 2.90%
6.95%today- Payment
- $3,330/mo
$5,296today
- 6beds
- 5baths
- 4,131sqft
3003 Bella Cima Drive, Colorado Springs
VA
Active
50$510,000$100,059 down
- Rate
- 2.84%
6.95%today- Payment
- $1,901/mo
$3,047today
- 4beds
- 3baths
- 2,004sqft
2635 Landsdown Place, Colorado Springs
VA
Active
28$499,900$124,498 down
- Rate
- 2.66%
6.95%today- Payment
- $1,735/mo
$2,846today
- 4beds
- 3baths
- 1,784sqft
16315 Windy Creek Drive, Monument
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 Monument.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 29
- UMe Certified / verified
- 0
- Lowest rate
- 2.39%
- Median rate
- 4.99%
- Median list price
- $749,900
- Median cash to assume
- $203,994
Monument listings by locked rate
- Under 4%13 homes
- 4% – 5%2 homes
- 5% – 6%2 homes
- 6% and up12 homes
Monument listings by loan type
- VA29 homesmedian 4.99%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Monument ZIP code.
Each ZIP opens the Monument map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Monument numbers
What an assumable ratedoes to a Monument payment.
The sliders start at the median Monument assumable listing: $749,900 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)$205,000
27% 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 Monument
$3,125/mo
New loan at 7.20%$3,699
Assumed at 5.00%
$3,125
Every month$575
Over five years$34,480
Interest you never pay$356,86926-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 Monument listing on UMe shows the actual balance, rate, and payment.
How it works in Monument
How to assumea mortgage in Monument.
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 Monument home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Monument 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 $203,994 in Monument 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 Monument payment written in a different decade.
Monument questions
Assuming a mortgagein Monument.
The numbers below come from current Monument inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Monument?
As of September 2026, UMe tracks 29 active assumable listings in Monument. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Monument?
Current Monument inventory breaks down as VA (29, median 4.99%). 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 Monument?
The lowest rate on an active Monument assumable listing is 2.39%, and the median across all 29 listings is 4.99%. 13 listings are under 4% and 15 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 Monument?
Across current Monument listings, the median principal-and-interest payment on the assumable loan is $3,440 per month versus $4,280 for the same balance at today's rates, a difference of about $839 every month, or $10,071 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 Monument?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Monument that gap is currently a median of $203,994 on a median list price of $749,900. 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 Monument ZIP codes have the most assumable homes?
The Monument ZIP codes with the most active assumable listings are 80132 (29). 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 Monument?
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 Monument.The rate is already on the house.
Every listing on the Monument map has a rate you can take over. Start with the ones in Monument, get pre-qualified in minutes, and let UMe carry the assumption to closing.
