FHATop pick
Active
33$335,000$13,231 down
- Rate
- 3.02%
6.95%today- Payment
- $1,533/mo
$2,400today
- 4beds
- 2baths
- 2,264sqft
Pueblo, Colorado
Assumable homes for salein Pueblo, Colorado.
27 homes in Pueblo carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.20%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Pueblo assumable market
by the numbers.
27active assumable listings
2.20%lowest locked rate
$325kmedian list price
$565saved per month vs. 7.2%
About the market
Assumable mortgagesin Pueblo, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Pueblo. Updated September 2026.
How assumptions work for buyersPueblo, Colorado has 27 homes for sale with an assumable mortgage as of September 2026: 15 FHA loans and 12 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 Pueblo assumable listings start at 2.20% with a median of 5.30%; 6 listings are under 4% and 10 are under 5%.
The median assumable home in Pueblo lists for $325,000, with a median of $43,265 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 $1,533 a month versus $2,098 for the same balance at today's rate, roughly $565 kept every month and $6,785 a year. The most active Pueblo ZIP codes are 81001 (5), 81004 (5), 81005 (5), 81007 (5), and 81008 (4).
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 Pueblo assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Pueblo
View all 27 on the map Homes on the marketin Pueblo.
FHA
Active
14$209,900$30,964 down
- Rate
- 2.87%
6.95%today- Payment
- $835/mo
$1,332today
- 2beds
- 1baths
- 962sqft
18 Dundee Lane, Pueblo
VA
Active
31$330,100$45,477 down
- Rate
- 2.90%
6.95%today- Payment
- $1,332/mo
$2,118today
- 5beds
- 3baths
- 1,738sqft
2 Bitterweed Court, Pueblo
VA
Active
36$350,000Potential short sale
- Rate
- 4.62%
6.95%today- Payment
- $1,885/mo
$2,428today
- 3beds
- 3baths
- 1,707sqft
2220 Inspiration Lane, Pueblo
VA
Active
30$294,900$180,065 down
- Rate
- 2.20%
6.95%today- Payment
- $1,091/mo
$1,498today
- 3beds
- 2baths
- 1,456sqft
749 Corona Avenue, Pueblo
VA
Active
23$340,000$187,614 down
- Rate
- 2.90%
6.95%today- Payment
- $710/mo
$1,129today
- 3beds
- 3baths
- 1,872sqft
4032 Valley Drive #B, Pueblo
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 Pueblo.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 27
- UMe Certified / verified
- 0
- Lowest rate
- 2.20%
- Median rate
- 5.30%
- Median list price
- $325,000
- Median cash to assume
- $43,265
Pueblo listings by locked rate
- Under 4%6 homes
- 4% – 5%4 homes
- 5% – 6%5 homes
- 6% and up12 homes
Pueblo listings by loan type
- FHA15 homesmedian 6.12%
- VA12 homesmedian 4.86%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Pueblo ZIP code.
Each ZIP opens the Pueblo map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Pueblo numbers
What an assumable ratedoes to a Pueblo payment.
The sliders start at the median Pueblo assumable listing: $325,000 list price and a 5.30% 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)$45,000
14% 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 Pueblo
$1,655/mo
New loan at 7.20%$1,901
Assumed at 5.30%
$1,655
Every month$245
Over five years$14,726
Interest you never pay$167,80426-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 Pueblo listing on UMe shows the actual balance, rate, and payment.
How it works in Pueblo
How to assumea mortgage in Pueblo.
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 Pueblo home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Pueblo 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 $43,265 in Pueblo 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 Pueblo payment written in a different decade.
Pueblo questions
Assuming a mortgagein Pueblo.
The numbers below come from current Pueblo inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Pueblo?
As of September 2026, UMe tracks 27 active assumable listings in Pueblo. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Pueblo?
Current Pueblo inventory breaks down as FHA (15, median 6.12%) and VA (12, median 4.86%). 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 Pueblo?
The lowest rate on an active Pueblo assumable listing is 2.20%, and the median across all 27 listings is 5.30%. 6 listings are under 4% and 10 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 Pueblo?
Across current Pueblo listings, the median principal-and-interest payment on the assumable loan is $1,533 per month versus $2,098 for the same balance at today's rates, a difference of about $565 every month, or $6,785 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 Pueblo?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Pueblo that gap is currently a median of $43,265 on a median list price of $325,000. 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 Pueblo ZIP codes have the most assumable homes?
The Pueblo ZIP codes with the most active assumable listings are 81001 (5), 81004 (5), 81005 (5), 81007 (5), and 81008 (4). 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 Pueblo?
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 Pueblo.The rate is already on the house.
Every listing on the Pueblo map has a rate you can take over. Start with the ones in Pueblo, get pre-qualified in minutes, and let UMe carry the assumption to closing.
