VATop pick
Active
34$565,000$40,897 down
- Rate
- 2.99%
6.95%today- Payment
- $2,455/mo
$3,860today
- 3beds
- 3baths
- 1,514sqft
Sedalia, Colorado
Assumable homes for salein Sedalia, Colorado.
2 homes in Sedalia carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.84%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Sedalia assumable market
by the numbers.
2active assumable listings
2.84%lowest locked rate
$800kmedian list price
$940saved per month vs. 7.2%
About the market
Assumable mortgagesin Sedalia, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Sedalia. Updated September 2026.
How assumptions work for buyersSedalia, Colorado has 2 homes for sale with an assumable mortgage as of September 2026: 2 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 Sedalia assumable listings start at 2.84% with a median of 2.89%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Sedalia lists for $799,950, with a median of $509,289 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 $1,377 a month versus $2,317 for the same balance at today's rate, roughly $940 kept every month and $11,281 a year. The most active Sedalia ZIP codes are 80135 (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 Sedalia assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Sedalia
View all 2 on the map Homes on the marketin Sedalia.
FHATop pick
Active
17$345,000$24,942 down
- Rate
- 3.10%
6.95%today- Payment
- $1,518/mo
$2,353today
- 2beds
- 2baths
- 1,078sqft
3727 Cactus Creek Court #104, Highlands Ranch
FHA
Active
27$410,000$58,584 down
- Rate
- 2.84%
6.95%today- Payment
- $1,626/mo
$2,606today
- 3beds
- 2baths
- 1,474sqft
2682 Easter Avenue, Littleton
FHA
Active
35$400,000$54,439 down
- Rate
- 2.87%
6.95%today- Payment
- $1,608/mo
$2,567today
- 2beds
- 2baths
- 974sqft
6883 Dover Way, Littleton
FHA
Active
44$660,000$94,786 down
- Rate
- 2.90%
6.95%today- Payment
- $2,616/mo
$4,160today
- 4beds
- 4baths
- 2,733sqft
3623 Rosewalk Circle, Highlands Ranch
VA
Active
33$369,900$52,928 down
- Rate
- 2.99%
6.95%today- Payment
- $1,495/mo
$2,350today
- 2beds
- 3baths
- 1,174sqft
2501 Cutters Circle #102, Castle Rock
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 Sedalia.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 2.84%
- Median rate
- 2.89%
- Median list price
- $799,950
- Median cash to assume
- $509,289
Sedalia listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Sedalia listings by loan type
- VA2 homesmedian 2.89%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Sedalia ZIP code.
Each ZIP opens the Sedalia map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Sedalia numbers
What an assumable ratedoes to a Sedalia payment.
The sliders start at the median Sedalia assumable listing: $799,950 list price and a 2.89% 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)$510,000
64% 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 Sedalia
$1,325/mo
New loan at 7.20%$1,968
Assumed at 2.90%
$1,325
Every month$644
Over five years$38,633
Interest you never pay$295,38026-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 Sedalia listing on UMe shows the actual balance, rate, and payment.
How it works in Sedalia
How to assumea mortgage in Sedalia.
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 Sedalia home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Sedalia 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 $509,289 in Sedalia 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 Sedalia payment written in a different decade.
Sedalia questions
Assuming a mortgagein Sedalia.
The numbers below come from current Sedalia inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Sedalia?
As of September 2026, UMe tracks 2 active assumable listings in Sedalia. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Sedalia?
Current Sedalia inventory breaks down as VA (2, median 2.89%). 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 Sedalia?
The lowest rate on an active Sedalia assumable listing is 2.84%, and the median across all 2 listings is 2.89%. 2 listings are under 4% and 2 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 Sedalia?
Across current Sedalia listings, the median principal-and-interest payment on the assumable loan is $1,377 per month versus $2,317 for the same balance at today's rates, a difference of about $940 every month, or $11,281 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 Sedalia?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Sedalia that gap is currently a median of $509,289 on a median list price of $799,950. 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 Sedalia ZIP codes have the most assumable homes?
The Sedalia ZIP codes with the most active assumable listings are 80135 (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 Sedalia?
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 Sedalia.The rate is already on the house.
Every listing on the Sedalia map has a rate you can take over. Start with the ones in Sedalia, get pre-qualified in minutes, and let UMe carry the assumption to closing.
