VATop pick
Active
35$520,000$46,247 down
- Rate
- 3.10%
6.95%today- Payment
- $2,242/mo
$3,475today
- 4beds
- 3baths
- 2,302sqft
Pierce, Colorado
Assumable homes for salein Pierce, Colorado.
3 homes in Pierce 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
Pierce assumable market
by the numbers.
3active assumable listings
2.25%lowest locked rate
$475kmedian list price
$209saved per month vs. 7.2%
About the market
Assumable mortgagesin Pierce, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Pierce. Updated September 2026.
How assumptions work for buyersPierce, 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 Pierce assumable listings start at 2.25% with a median of 6.54%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Pierce lists for $475,000, with a median of $128,082 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 $2,886 a month versus $3,096 for the same balance at today's rate, roughly $209 kept every month and $2,509 a year. The most active Pierce ZIP codes are 80650 (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 Pierce assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Pierce
View all 3 on the map Homes on the marketin Pierce.
FHA
Active
42$369,950$42,830 down
- Rate
- 2.96%
6.95%today- Payment
- $1,544/mo
$2,437today
- 3beds
- 3baths
- 1,513sqft
322 Maple Avenue, Eaton
FHA
Active
47$497,000$51,057 down
- Rate
- 3.45%
6.95%today- Payment
- $2,184/mo
$3,240today
- 3beds
- 3baths
- 2,269sqft
1228 Argali Drive, Severance
VA
Active
50$779,000$154,216 down
- Rate
- 2.77%
6.95%today- Payment
- $2,862/mo
$4,629today
- 5beds
- 4baths
- 4,440sqft
20085 County Road 74, Eaton
FHA
Active
30$489,900$118,522 down
- Rate
- 2.81%
6.95%today- Payment
- $1,741/mo
$2,801today
- 4beds
- 3baths
- 2,361sqft
1072 Long Meadows Street, Severance
FHA
Active
48$495,000$133,016 down
- Rate
- 2.81%
6.95%today- Payment
- $1,697/mo
$2,730today
- 5beds
- 4baths
- 2,967sqft
532 2nd Street, Severance
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 Pierce.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 2.25%
- Median rate
- 6.54%
- Median list price
- $475,000
- Median cash to assume
- $128,082
Pierce listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Pierce listings by loan type
- FHA2 homesmedian 6.68%
- VA1 homemedian 2.25%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Pierce ZIP code.
Each ZIP opens the Pierce map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Pierce numbers
What an assumable ratedoes to a Pierce payment.
The sliders start at the median Pierce assumable listing: $475,000 list price and a 6.54% 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)$130,000
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 Pierce
$2,305/mo
New loan at 7.20%$2,342
Assumed at 6.55%
$2,305
Every month$37
Over five years$2,217
Interest you never pay$123,93426-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 Pierce listing on UMe shows the actual balance, rate, and payment.
How it works in Pierce
How to assumea mortgage in Pierce.
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 Pierce home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Pierce 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 $128,082 in Pierce 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 Pierce payment written in a different decade.
Pierce questions
Assuming a mortgagein Pierce.
The numbers below come from current Pierce inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Pierce?
As of September 2026, UMe tracks 3 active assumable listings in Pierce. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Pierce?
Current Pierce inventory breaks down as FHA (2, median 6.68%) and VA (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 Pierce?
The lowest rate on an active Pierce assumable listing is 2.25%, and the median across all 3 listings is 6.54%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Pierce?
Across current Pierce listings, the median principal-and-interest payment on the assumable loan is $2,886 per month versus $3,096 for the same balance at today's rates, a difference of about $209 every month, or $2,509 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 Pierce?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Pierce that gap is currently a median of $128,082 on a median list price of $475,000. 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 Pierce ZIP codes have the most assumable homes?
The Pierce ZIP codes with the most active assumable listings are 80650 (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 Pierce?
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 Pierce.The rate is already on the house.
Every listing on the Pierce map has a rate you can take over. Start with the ones in Pierce, get pre-qualified in minutes, and let UMe carry the assumption to closing.
