VA
Active
40$549,900$199,839 down
- Rate
- 3.45%
6.95%today- Payment
- $1,718/mo
$2,549today
- 4beds
- 2baths
- 2,304sqft
Rye, Colorado
Assumable homes for salein Rye, Colorado.
3 homes in Rye carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.45%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Rye assumable market
by the numbers.
3active assumable listings
3.45%lowest locked rate
$495kmedian list price
$979saved per month vs. 7.2%
About the market
Assumable mortgagesin Rye, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Rye. Updated September 2026.
How assumptions work for buyersRye, Colorado has 3 homes for sale with an assumable mortgage as of September 2026: 2 VA loans and 1 FHA 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 Rye assumable listings start at 3.45% with a median of 5.22%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Rye lists for $495,000, with a median of $94,722 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 $1,718 a month versus $2,697 for the same balance at today's rate, roughly $979 kept every month and $11,750 a year. The most active Rye ZIP codes are 81069 (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 Rye assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Rye
View all 3 on the map Homes on the marketin Rye.
FHA
Active
19$495,000$95,122 down
- Rate
- 6.79%
6.95%today- Payment
- $2,665/mo
$2,709today
- 4beds
- 2baths
- 2,184sqft
6559 Pickney Road, Rye
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 Rye.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 3.45%
- Median rate
- 5.22%
- Median list price
- $495,000
- Median cash to assume
- $94,722
Rye listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up1 home
Rye listings by loan type
- VA2 homesmedian 4.33%
- FHA1 homemedian 6.79%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Rye ZIP code.
Each ZIP opens the Rye map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Rye numbers
What an assumable ratedoes to a Rye payment.
The sliders start at the median Rye assumable listing: $495,000 list price and a 5.22% 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)$95,000
19% 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 Rye
$2,341/mo
New loan at 7.20%$2,715
Assumed at 5.20%
$2,341
Every month$374
Over five years$22,467
Interest you never pay$247,15826-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 Rye listing on UMe shows the actual balance, rate, and payment.
How it works in Rye
How to assumea mortgage in Rye.
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 Rye home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Rye 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 $94,722 in Rye 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 Rye payment written in a different decade.
Rye questions
Assuming a mortgagein Rye.
The numbers below come from current Rye inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Rye?
As of September 2026, UMe tracks 3 active assumable listings in Rye. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Rye?
Current Rye inventory breaks down as VA (2, median 4.33%) and FHA (1, median 6.79%). 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 Rye?
The lowest rate on an active Rye assumable listing is 3.45%, and the median across all 3 listings is 5.22%. 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 Rye?
Across current Rye listings, the median principal-and-interest payment on the assumable loan is $1,718 per month versus $2,697 for the same balance at today's rates, a difference of about $979 every month, or $11,750 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 Rye?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Rye that gap is currently a median of $94,722 on a median list price of $495,000. 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 Rye ZIP codes have the most assumable homes?
The Rye ZIP codes with the most active assumable listings are 81069 (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 Rye?
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 Rye.The rate is already on the house.
Every listing on the Rye map has a rate you can take over. Start with the ones in Rye, get pre-qualified in minutes, and let UMe carry the assumption to closing.
