Active
45$599,950$279,241 down
- Rate
- 2.25%
6.95%today- Payment
- $1,427/mo
$2,472today
- 4beds
- 2baths
- 2,080sqft
Timnath, Colorado
Assumable homes for salein Timnath, Colorado.
7 homes in Timnath carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.88%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Timnath assumable market
by the numbers.
7active assumable listings
2.88%lowest locked rate
$675kmedian list price
$849saved per month vs. 7.2%
About the market
Assumable mortgagesin Timnath, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Colorado, filtered to Timnath. Updated September 2026.
How assumptions work for buyersTimnath, Colorado has 7 homes for sale with an assumable mortgage as of September 2026: 4 VA loans and 3 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 Timnath assumable listings start at 2.88% with a median of 5.25%; 1 listing is under 4% and 3 are under 5%.
The median assumable home in Timnath lists for $675,000, with a median of $65,479 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 $3,529 a month versus $4,378 for the same balance at today's rate, roughly $849 kept every month and $10,185 a year. The most active Timnath ZIP codes are 80547 (7).
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 Timnath assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Timnath
View all 7 on the map Homes on the marketin Timnath.
VATop pick
Active
35$520,000$46,247 down
- Rate
- 3.10%
6.95%today- Payment
- $2,242/mo
$3,475today
- 4beds
- 3baths
- 2,302sqft
933 Ponderosa Drive, Severance
FHA
Active
16$460,000$70,871 down
- Rate
- 2.98%
6.95%today- Payment
- $1,821/mo
$2,866today
- 3beds
- 3baths
- 1,884sqft
3855 Arrowwood Lane, Johnstown
FHA
Active
39$429,900$54,645 down
- Rate
- 3.17%
6.95%today- Payment
- $1,829/mo
$2,810today
- 3beds
- 3baths
- 1,934sqft
3504 Valleywood Court, Johnstown
FHA
Active
47$497,000$51,057 down
- Rate
- 3.45%
6.95%today- Payment
- $2,184/mo
$3,240today
- 3beds
- 3baths
- 2,269sqft
1228 Argali Drive, Severance
VA
Active
32$490,000$138,417 down
- Rate
- 2.80%
6.95%today- Payment
- $1,623/mo
$2,615today
- 3beds
- 3baths
- 1,896sqft
304 Tigercat Way, Fort Collins
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 Timnath.
Live counts from the MLS feeds we index for Colorado. Updated September 2026.
- Active listings
- 7
- UMe Certified / verified
- 0
- Lowest rate
- 2.88%
- Median rate
- 5.25%
- Median list price
- $675,000
- Median cash to assume
- $65,479
Timnath listings by locked rate
- Under 4%1 home
- 4% – 5%2 homes
- 5% – 6%1 home
- 6% and up3 homes
Timnath listings by loan type
- VA4 homesmedian 5.68%
- FHA3 homesmedian 5.25%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Timnath ZIP code.
Each ZIP opens the Timnath map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Timnath numbers
What an assumable ratedoes to a Timnath payment.
The sliders start at the median Timnath assumable listing: $675,000 list price and a 5.25% 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)$65,000
10% 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 Timnath
$3,588/mo
New loan at 7.20%$4,141
Assumed at 5.25%
$3,588
Every month$553
Over five years$33,174
Interest you never pay$371,25226-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 Timnath listing on UMe shows the actual balance, rate, and payment.
How it works in Timnath
How to assumea mortgage in Timnath.
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 Timnath home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Timnath 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 $65,479 in Timnath 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 Timnath payment written in a different decade.
Timnath questions
Assuming a mortgagein Timnath.
The numbers below come from current Timnath inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Timnath?
As of September 2026, UMe tracks 7 active assumable listings in Timnath. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Timnath?
Current Timnath inventory breaks down as VA (4, median 5.68%) and FHA (3, median 5.25%). 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 Timnath?
The lowest rate on an active Timnath assumable listing is 2.88%, and the median across all 7 listings is 5.25%. 1 listing is under 4% and 3 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 Timnath?
Across current Timnath listings, the median principal-and-interest payment on the assumable loan is $3,529 per month versus $4,378 for the same balance at today's rates, a difference of about $849 every month, or $10,185 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 Timnath?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Timnath that gap is currently a median of $65,479 on a median list price of $675,000. 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 Timnath ZIP codes have the most assumable homes?
The Timnath ZIP codes with the most active assumable listings are 80547 (7). 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 Timnath?
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 Timnath.The rate is already on the house.
Every listing on the Timnath map has a rate you can take over. Start with the ones in Timnath, get pre-qualified in minutes, and let UMe carry the assumption to closing.
