VA
Active
50$724,000$243,970 down
- Rate
- 2.81%
6.95%today- Payment
- $2,245/mo
$3,612today
- 4beds
- 3baths
- 2,616sqft
Silver Cliff, Colorado
Assumable homes for salein Silver Cliff, Colorado.
2 homes in Silver Cliff carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.18%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Silver Cliff assumable market
by the numbers.
2active assumable listings
6.18%lowest locked rate
$379kmedian list price
$260saved per month vs. 7.2%
About the market
Assumable mortgagesin Silver Cliff, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Silver Cliff. Updated September 2026.
How assumptions work for buyersSilver Cliff, 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 Silver Cliff assumable listings start at 6.18% with a median of 6.36%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Silver Cliff lists for $378,950, with a median of $45,845 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 $2,224 a month versus $2,484 for the same balance at today's rate, roughly $260 kept every month and $3,121 a year. The most active Silver Cliff ZIP codes are 81252 (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 Silver Cliff assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Silver Cliff
View all 2 on the map Homes on the marketin Silver Cliff.
VA
Active
46$725,000$342,595 down
- Rate
- 2.35%
6.95%today- Payment
- $3,428/mo
$4,655today
- 3beds
- 3baths
- 2,805sqft
50 Shawnee Trail, Westcliffe
FHA
Active
35$875,000$672,185 down
- Rate
- 2.68%
6.95%today- Payment
- $933/mo
$1,526today
- 4beds
- 3baths
- 4,228sqft
50374 HWY 69, Westcliffe
VA
Active
38$599,800$312,107 down
- Rate
- 2.90%
6.95%today- Payment
- $1,340/mo
$2,131today
- 3beds
- 2baths
- 2,120sqft
595 Dead Mule Lane, Westcliffe
VA
Active
35$395,000$197,466 down
- Rate
- 3.62%
6.95%today- Payment
- $1,048/mo
$1,522today
- 3beds
- 2baths
- 1,808sqft
2863 CR 215, Westcliffe
FHA
Active
28$388,000$55,521 down
- Rate
- 6.18%
6.95%today- Payment
- $2,267/mo
$2,434today
- 5beds
- 4baths
- 1,942sqft
321 Summit Street, Silver Cliff
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 Silver Cliff.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 6.18%
- Median rate
- 6.36%
- Median list price
- $378,950
- Median cash to assume
- $45,845
Silver Cliff listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Silver Cliff listings by loan type
- FHA2 homesmedian 6.36%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Silver Cliff ZIP code.
Each ZIP opens the Silver Cliff map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Silver Cliff numbers
What an assumable ratedoes to a Silver Cliff payment.
The sliders start at the median Silver Cliff assumable listing: $378,950 list price and a 6.36% 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
12% 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 Silver Cliff
$2,196/mo
New loan at 7.20%$2,274
Assumed at 6.35%
$2,196
Every month$78
Over five years$4,686
Interest you never pay$133,51826-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 Silver Cliff listing on UMe shows the actual balance, rate, and payment.
How it works in Silver Cliff
How to assumea mortgage in Silver Cliff.
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 Silver Cliff home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Silver Cliff 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 $45,845 in Silver Cliff 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 Silver Cliff payment written in a different decade.
Silver Cliff questions
Assuming a mortgagein Silver Cliff.
The numbers below come from current Silver Cliff inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Silver Cliff?
As of September 2026, UMe tracks 2 active assumable listings in Silver Cliff. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Silver Cliff?
Current Silver Cliff inventory breaks down as FHA (2, median 6.36%). 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 Silver Cliff?
The lowest rate on an active Silver Cliff assumable listing is 6.18%, and the median across all 2 listings is 6.36%. 0 listings are under 4% and 0 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 Silver Cliff?
Across current Silver Cliff listings, the median principal-and-interest payment on the assumable loan is $2,224 per month versus $2,484 for the same balance at today's rates, a difference of about $260 every month, or $3,121 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 Silver Cliff?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Silver Cliff that gap is currently a median of $45,845 on a median list price of $378,950. 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 Silver Cliff ZIP codes have the most assumable homes?
The Silver Cliff ZIP codes with the most active assumable listings are 81252 (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 Silver Cliff?
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 Silver Cliff.The rate is already on the house.
Every listing on the Silver Cliff map has a rate you can take over. Start with the ones in Silver Cliff, get pre-qualified in minutes, and let UMe carry the assumption to closing.
