FHA
Active
28$425,000$243,393 down
- Rate
- 3.29%
6.95%today- Payment
- $923/mo
$1,397today
- 2beds
- 2baths
- 1,248sqft
Red Feather Lakes, Colorado
Assumable homes for salein Red Feather Lakes, Colorado.
2 homes in Red Feather Lakes carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.29%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Red Feather Lakes assumable market
by the numbers.
2active assumable listings
3.29%lowest locked rate
$510kmedian list price
$411saved per month vs. 7.2%
About the market
Assumable mortgagesin Red Feather Lakes, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Red Feather Lakes. Updated September 2026.
How assumptions work for buyersRed Feather Lakes, Colorado has 2 homes for sale with an assumable mortgage as of September 2026: 1 FHA loan 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 Red Feather Lakes assumable listings start at 3.29% with a median of 5.05%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Red Feather Lakes lists for $510,000, with a median of $144,590 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 $2,297 a month versus $2,708 for the same balance at today's rate, roughly $411 kept every month and $4,929 a year. The most active Red Feather Lakes ZIP codes are 80545 (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 Red Feather Lakes assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Red Feather Lakes
View all 2 on the map Homes on the marketin Red Feather Lakes.
VA
Active
42$595,000$48,171 down
- Rate
- 6.82%
6.95%today- Payment
- $3,670/mo
$3,719today
- 3beds
- 3baths
- 1,748sqft
3689 ottawa Way, Red Feather Lakes
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 Red Feather Lakes.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 3.29%
- Median rate
- 5.05%
- Median list price
- $510,000
- Median cash to assume
- $144,590
Red Feather Lakes listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Red Feather Lakes listings by loan type
- FHA1 homemedian 3.29%
- VA1 homemedian 6.82%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Red Feather Lakes ZIP code.
Each ZIP opens the Red Feather Lakes map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Red Feather Lakes numbers
What an assumable ratedoes to a Red Feather Lakes payment.
The sliders start at the median Red Feather Lakes assumable listing: $510,000 list price and a 5.05% 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)$145,000
28% 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 Red Feather Lakes
$2,103/mo
New loan at 7.20%$2,478
Assumed at 5.05%
$2,103
Every month$374
Over five years$22,447
Interest you never pay$235,64926-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 Red Feather Lakes listing on UMe shows the actual balance, rate, and payment.
How it works in Red Feather Lakes
How to assumea mortgage in Red Feather Lakes.
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 Red Feather Lakes home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Red Feather Lakes 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 $144,590 in Red Feather Lakes 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 Red Feather Lakes payment written in a different decade.
Red Feather Lakes questions
Assuming a mortgagein Red Feather Lakes.
The numbers below come from current Red Feather Lakes inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Red Feather Lakes?
As of September 2026, UMe tracks 2 active assumable listings in Red Feather Lakes. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Red Feather Lakes?
Current Red Feather Lakes inventory breaks down as FHA (1, median 3.29%) and VA (1, median 6.82%). 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 Red Feather Lakes?
The lowest rate on an active Red Feather Lakes assumable listing is 3.29%, and the median across all 2 listings is 5.05%. 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 Red Feather Lakes?
Across current Red Feather Lakes listings, the median principal-and-interest payment on the assumable loan is $2,297 per month versus $2,708 for the same balance at today's rates, a difference of about $411 every month, or $4,929 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 Red Feather Lakes?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Red Feather Lakes that gap is currently a median of $144,590 on a median list price of $510,000. 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 Red Feather Lakes ZIP codes have the most assumable homes?
The Red Feather Lakes ZIP codes with the most active assumable listings are 80545 (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 Red Feather Lakes?
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 Red Feather Lakes.The rate is already on the house.
Every listing on the Red Feather Lakes map has a rate you can take over. Start with the ones in Red Feather Lakes, get pre-qualified in minutes, and let UMe carry the assumption to closing.
