FHA
Active
38$395,000$67,110 down
- Rate
- 2.84%
6.95%today- Payment
- $1,521/mo
$2,437today
- 3beds
- 3baths
- 1,577sqft
Platteville, Colorado
Assumable homes for salein Platteville, Colorado.
2 homes in Platteville carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.98%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Platteville assumable market
by the numbers.
2active assumable listings
2.98%lowest locked rate
$430kmedian list price
$615saved per month vs. 7.2%
About the market
Assumable mortgagesin Platteville, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Platteville. Updated September 2026.
How assumptions work for buyersPlatteville, Colorado has 2 homes for sale with an assumable mortgage as of September 2026: 2 FHA 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 Platteville assumable listings start at 2.98% with a median of 4.92%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Platteville lists for $430,000, with a median of $124,230 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 $1,759 a month versus $2,374 for the same balance at today's rate, roughly $615 kept every month and $7,374 a year. The most active Platteville ZIP codes are 80651 (2).
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 Platteville assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Platteville
View all 2 on the map Homes on the marketin Platteville.
FHA
Active
36$425,000$60,931 down
- Rate
- 2.90%
6.95%today- Payment
- $1,696/mo
$2,697today
- 3beds
- 3baths
- 1,447sqft
2504 Carriage Drive, Milliken
FHA
Active
33$399,000$70,135 down
- Rate
- 2.96%
6.95%today- Payment
- $1,553/mo
$2,450today
- 3beds
- 4baths
- 2,406sqft
45 Sebring Lane, Johnstown
FHA
Active
45$436,500$86,660 down
- Rate
- 2.98%
6.95%today- Payment
- $1,652/mo
$2,600today
- 4beds
- 3baths
- 3,358sqft
309 Lincoln Avenue, Platteville
FHA
Active
40$419,900$83,149 down
- Rate
- 3.07%
6.95%today- Payment
- $1,592/mo
$2,477today
- 3beds
- 2baths
- 1,133sqft
366 Beckwourth Avenue, Fort Lupton
FHA
Active
22$545,000$101,736 down
- Rate
- 3.07%
6.95%today- Payment
- $2,091/mo
$3,253today
- 3beds
- 3baths
- 2,195sqft
1875 Rancher Drive, Milliken
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 Platteville.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 2.98%
- Median rate
- 4.92%
- Median list price
- $430,000
- Median cash to assume
- $124,230
Platteville listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Platteville listings by loan type
- FHA2 homesmedian 4.92%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Platteville ZIP code.
Each ZIP opens the Platteville map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Platteville numbers
What an assumable ratedoes to a Platteville payment.
The sliders start at the median Platteville assumable listing: $430,000 list price and a 4.92% 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)$125,000
29% 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 Platteville
$1,731/mo
New loan at 7.20%$2,070
Assumed at 4.90%
$1,731
Every month$340
Over five years$20,370
Interest you never pay$205,30126-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 Platteville listing on UMe shows the actual balance, rate, and payment.
How it works in Platteville
How to assumea mortgage in Platteville.
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 Platteville home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Platteville 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 $124,230 in Platteville 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 Platteville payment written in a different decade.
Platteville questions
Assuming a mortgagein Platteville.
The numbers below come from current Platteville inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Platteville?
As of September 2026, UMe tracks 2 active assumable listings in Platteville. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Platteville?
Current Platteville inventory breaks down as FHA (2, median 4.92%). 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 Platteville?
The lowest rate on an active Platteville assumable listing is 2.98%, and the median across all 2 listings is 4.92%. 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 Platteville?
Across current Platteville listings, the median principal-and-interest payment on the assumable loan is $1,759 per month versus $2,374 for the same balance at today's rates, a difference of about $615 every month, or $7,374 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 Platteville?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Platteville that gap is currently a median of $124,230 on a median list price of $430,000. 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 Platteville ZIP codes have the most assumable homes?
The Platteville ZIP codes with the most active assumable listings are 80651 (2). 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 Platteville?
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 Platteville.The rate is already on the house.
Every listing on the Platteville map has a rate you can take over. Start with the ones in Platteville, get pre-qualified in minutes, and let UMe carry the assumption to closing.
